SBOA Tenant Insurance

October is Breast Cancer Awareness Month.

Chances are, someone in your facility, your ownership group, or your network of industry partners has been touched by this disease, whether they faced it themselves or supported someone who did.

We wanted to take a moment to acknowledge that. Not with a campaign, just a reminder that the people behind this industry, operators, owners, and partners included, are carrying more than day-to-day business. They're carrying real life.

If you or someone you know is navigating this, we see you. And if you're in a position to support research or someone going through treatment, even something small makes a difference this month.

Nothing replaces getting everyone in the same room.

The SBOA Insurance team came together in person, and the energy was exactly what you'd hope for. Good food, better conversation, and a whiteboard's worth of ideas for what's next in self-storage.

Here's what stood out: this team genuinely cares about self-storage owners and operators, and about the solutions we can bring them. Not just policies, but real answers to the problems that keep operators up at night.

We've got some exciting things in the works. Stay tuned.

🚨 Big news for the self-storage industry: our new website is LIVE.

https://hubs.li/Q04ytCx30 just got a major upgrade, and it's built for how operators actually work.

What's new:
🔹 Simplified navigation - find what you need, fast
🔹 Tenant claims filing - tenants can file self-storage insurance claims directly online
🔹 New Client Portal - secure access to claims upload, training resources, and an FAQ library
🔹 NOI Calculator - estimate the revenue your facility can make participating in our tenant insurance programs
🔹 Fresh blog - industry news, trends, and risk management insights

The goal? Less time on the phone chasing routine requests, more time running your facility.

"Our goal with this new website was to make it easier for self-storage operators and tenants to get what they need, whether that's filing a claim, finding answers to common questions, or staying current on trends shaping our industry." — David Myers, President, SBOA Insurance

14x recognized as Best Tenant Insurance provider by ISS Best of Business Awards. Trusted by thousands of storage facilities nationwide. Now backed by a website that matches that reputation.

👉 Check it out: https://hubs.li/Q04ytCx30

Press Release: SBOA Insurance Launches Redesigned Tech-Forward Website to Enhance Self-Storage Risk Management and Tenant Insurance Experience - SBOA (https://hubs.li/Q04ytCsZ0)

🔦 Walk your facility and count everything that isn't the building.

Most commercial property policies are built around square footage and structure. Then a storm or power surge hits, and you find out how much of your operation was never really scheduled.

Start at the road and work in:

✅ Signage. Monument signs and pylons are often capped at a small sublimit, sometimes $2,500 or less. An illuminated pylon costs far more to replace, and no signage means no walk-in traffic.

✅ Gate and access control. Keypads and gate operators are often treated as equipment, not structure. A surge takes out the board, and you're propping the gate open waiting on parts.

✅ Climate control. HVAC is the most claim-prone system on most properties. Equipment Breakdown coverage responds to mechanical/electrical failure, which standard property forms typically exclude. Without it, a failed compressor in August is out of pocket, along with any tenant damage that follows.

✅ Cameras, lighting, elevators. Security systems are a compliance issue as much as an asset. Multi-story facilities add elevator exposure that needs its own attention.

✅ Fencing, bollards, paving. Rarely thought about until a vehicle takes them out.

None of this is exotic. It's just what makes a facility run, and what a generic commercial policy wasn't written around.

We build coverage around how storage facilities actually operate. 📧 [email protected]

⛳ What a week in beautiful Northern Michigan!

SBOA Insurance was proud to host our first-ever Golf Retreat at High Pointe Golf Club in Williamsburg, MI, and we couldn't have asked for a better group to share it with.

From great rounds of golf to memorable meals, drinks, and conversations, the event was a fantastic opportunity to connect with friends and partners across the self-storage industry. Surrounded by the stunning Northern Michigan landscape, we enjoyed more than just time on the course. We strengthened relationships, shared ideas, and created lasting memories.

A huge thank you to everyone who joined us and helped make this inaugural event such a success.

We're already looking forward to next year and can't wait to welcome this crew, along with some new faces, back to the course!

🌧️ Most commercial property policies don't limit flood coverage. They exclude it.

The line between "water damage" and "flood" usually shows up about 48 hours after a storm.

Covered as water damage:
→ Burst pipe or sprinkler line
→ Wind-driven rain through storm-damaged roofing
→ HVAC leak in climate-controlled units

Excluded as flood:
→ Surface water crossing drive aisles, under roll-up doors
→ Storm surge
→ Overflow from a nearby creek, ditch, or pond
→ Groundwater rising through the slab

Ground-level drive-up units sit inches off pavement engineered to move water away. Works fine until the storm drain doesn't.

Let's review your commercial policy and see what you are covered for.
Emai: [email protected]

Fortified Tenant Insurance includes Mold & Mildew Coverage up to $1,000, helping protect tenants' stored belongings from unexpected moisture-related damage.

It's one more reason self-storage owners and operators are choosing a stronger approach to tenant protection.

✅ Coverage built for self-storage
✅ Enhanced tenant protection
✅ Mold & Mildew Coverage up to $1,000

Get Fortified.
📧 [email protected]

📰 Where do you actually get your self-storage industry news?

Everybody has a go-to. A newsletter that's worth opening on a Monday. A podcast for the drive between facilities. A forum thread that catches a market shift weeks before the trades write it up. A website your scroll before the next appointment.

We want yours. Comment below with your favorites: publications, websites, newsletters, blogs, podcasts, anything you'd tell a new operator to bookmark on day one.

Your self-storage facility isn't like any other commercial property. Your insurance shouldn't be either.

From building and contents coverage to business income protection, general liability, cyber liability, customer goods legal liability, and specialized self-storage exposures, protecting your operation requires more than a standard commercial policy. SBOA Insurance specializes in helping self-storage owners and operators secure coverage designed around the unique risks of the industry.

Whether you operate a single facility or a multi-state portfolio, our team understands the challenges you face and can help you find competitive coverage options tailored to your business.

📧 Ready to review your current coverage or explore your options?

Email [email protected] to connect with a self-storage insurance specialist.

What a week at the SSA Fall Conference in Las Vegas.

Our team spent three days at the Aria connecting with self-storage owners, operators, and industry partners, talking through the risks that keep them up at night and how the right coverage actually protects revenue, not just property.

A fun highlight: we got to snap a photo with comedian Rob Riggle, who was also at the event.

Great conversations, great connections, and we're already looking forward to next year.

Want to learn more about Fortified Tenant Insurance or our Commercial Program? Email us at [email protected].