The foundation of any storage facility insurance program. CGL covers third-party bodily injury and property damage claims arising from your operations — a tenant injured in a slip-and-fall, a visitor hit by a gate, or a fire that spreads to neighboring property. Most Oregon commercial leases and lender requirements mandate a minimum of $1M per occurrence / $2M aggregate.

Covers your physical structures — the storage buildings, office, fencing, gates, security systems, and signage — against fire, windstorm, hail, vandalism, and other covered perils. Oregon's wildfire risk makes property coverage especially critical for facilities in Central Oregon, the Rogue Valley, and other fire-prone regions. Replacement cost coverage is strongly recommended over actual cash value.

This specialty coverage protects you against claims from tenants whose stored property is damaged or destroyed while in your care, custody, or control. Standard CGL policies typically exclude damage to property in your custody — making Customer Goods Legal Liability a critical gap-filler. For RV and boat storage, where a single stored vehicle can be worth $100,000 or more, adequate limits are essential.

Covers claims arising from the wrongful sale or disposal of a tenant's property during the lien enforcement process. Oregon's ORS Chapter 87 sets strict procedural requirements for lien sales — any deviation can result in a lawsuit. Sale and Disposal Liability protects you if a tenant claims their property was sold improperly, the wrong unit was auctioned, or notice requirements were not met.

If your facility moves, parks, or handles tenant vehicles — including RVs, boats, trailers, and cars — Garage Keeper's Liability covers damage to those vehicles while they are in your care. This is especially important for RV storage operators who offer valet parking, towing assistance, or vehicle positioning services. Standard CGL policies exclude this exposure.

RVs and boats stored on your property can leak fuel, oil, antifreeze, and other hazardous fluids. Standard storage policies provide limited or no pollution coverage unless a covered peril (like fire) triggers the release. A separate Pollution Liability policy covers the cost of environmental cleanup and any resulting third-party claims — critical for facilities with dump stations or large outdoor vehicle storage areas.

Oregon law requires workers' compensation coverage for all employees. Storage facility employees face real workplace hazards — forklift accidents, heavy lifting injuries, gate and door mechanisms, and exposure to hazardous materials. Oregon's workers' comp system is administered through the Workers' Benefit Fund, and rates are based on payroll and job classification.

If a fire, flood, or other covered loss forces your facility to close temporarily, Business Income coverage replaces your lost rental revenue while repairs are made. Extra Expense coverage pays for costs above your normal operating expenses — like temporary fencing, security personnel, or off-site storage for displaced tenants. For storage facilities with high monthly revenue, this coverage is essential.