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Publishing

Key Agent Newsletter
Summer 2018

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IN THIS ISSUE:

. Does Your Self-Storage Operation Have An Emergency Plan?
. Climate Change: A Growing Risk for the Insurance Industry
. Creating a Written Narrative Can Help Lower Your Insurance Bill
 
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Does Your Self-Storage Operation Have An Emergency Plan?

Does Your Self-Storage Operation Have An Emergency Plan?The hurricane season officially began on June 1st, and self-storage business owners in coastal areas are encouraged to act now to prepare for severe weather. The first step is to create an emergency preparedness plan, a basic requirement for all businesses regardless of location. Once the plan has been developed, it is important to communicate it to your managers and employees.

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Climate Change: A Growing Risk for the Insurance Industry

Climate Change: A Growing Risk for the Insurance IndustryThe findings of two recent studies give credence to the opinion held by many analysts that climate change and weather-related catastrophes are a growing threat to the insurance industry. While the industry determines how to mitigate this threat, individual insurance carriers have already begun to address the trend through underwriting changes. Commercial properties in challenging geographic locations may face a greater risk of policy nonrenewal, and many carriers have implemented high percentage wind and hail deductibles for commercial property in areas prone to catastrophic wind and hail claims.

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Creating A Written Narrative Can Help Lower Your Insurance Bill

Creating A Written Narrative Can Help Lower Your Insurance BillWhen it comes to commercial insurance for your self-storage business, there are many risk characteristics that underwriters evaluate to calculate the premium. Some of these, such as geographic location, are beyond your ability to control. However, there are several considerations that you can influence and that could help you when it comes to the insurance premium. One of the most effective ways of helping an underwriter understand your operation's risk profile is to create a written narrative about the business.

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