Trucks were just the Beginning Self-Storage Insurance Specialists Property & Casualty / Tenant Protection
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1 Trucks were just the Beginning Self-Storage Insurance Specialists Property & Casualty / Tenant Protection getsecurelease.com selfstorageinsurancespecialists.com
2 Table of Contents About Us...Page 2 Protection Plans for Larger Facilities and/or Multiple Locations...Page 3 Case study: Increased portfolio value from an effective protection plan...page 4 Small Facilities / Big profits...page 5 Protection Plan Training Services Information...Page 6 Property & Casualty...Page 7 Builder's Risk Policy...Page 8 Calculate & Compare...Page 9 Which Tenant Would You Call First?...Page 10
3 About Us: On The Move Insurance Agency was founded to provide Self-Storage operators with industry specific insurance products. We offer property and casualty insurance from carriers that understand Self-Storage. Our carriers recognize the low rebuilding cost and minimal foot traffic of a typical facility. Their rates reflect that and allow our insurance specialists to offer the best P&C coverage at the most competitive rates. New to the industry is our Contractual Liability Insurance Policy (CLIP) underwritten by one of the strongest syndicates of Lloyd s of London. The CLIP policy allows operators to fully insure the risk of our industry leading tenant protection program, SecureLease. Our CLIP policy offers the finest terms available at the most competitive rates allowing facilities the best value in tenant protection to their customers. Our policy terms are generous enough to cover the risk of any existing tenant protection program. On The Move Insurance Agency is a subsidiary of On The Move, Inc. On The Move was established in Dearborn, Michigan in As a Self-Storage owner, its founder Maury Westerdale recognized the need for a turnkey truck rental program that allowed the Self-Storage owner/operator to set their own rates and advertise their company at the same time. On The Move has grown into the fourth largest truck rental fleet in the United States. 2
4 Protection Plans for Larger Facilities and/or Multiple Locations The standard self storage lease states that the operator is not responsible for the tenants goods while in storage. Our program allows you, through a lease addendum, to assume limited liability for their contents, at the price and limits you choose. You are not insuring their goods; you are simply offering them a protection plan or a premium quality lease, while our carrier insures the risk you assume. We offer a Contractual Liability Insurance Policy (CLIP) that insures the risk your facility assumes regardless of size. The cost to insure the risk of a $2,000 protection plan can be as little as $1.00 per month.* You report risk monthly ensuring that you pay only for the exact amount of insurance you need to cover your risk. Billing is done monthly, quarterly or annually based on your preference. Our CLIP policy covers almost any existing tenant protection program with no changes necessary. Let us provide a quote, matching your current policy terms as well as our zero deductible policy. We provide you with Point of Sale marketing tools, training and implementation strategies for your facilities. Our customers have participation rates that average more than 80%. Our customers enjoy the most efficient claims handling in the industry! Our claims are handled by licensed adjusters that settle your tenants claims on your behalf. *Every facility is reviewed and rated by our underwriters assuring the most competitive quote. 3
5 Protection Plan Revenue Adds Market Cap, Value and Profits in a Recent Sale An On The Move customer implemented our exclusive SecureLease protection plan program one year prior to the sale of their portfolio. They were able to add millions of dollars to their portfolio value that was realized in the sale. How did they do it? The customer offered premium quality lease terms and conditions to their tenants which allowed them to collect additional rent. Case Study: The customer implemented a mandated program, requiring all tenants to provide proof of insurance or be automatically enrolled into their protection plan. Within 30 days, they had 92% of their tenants participating in the program. Aggressively rolling out the protection plan resulted in an increase of rent of nearly $400,000. The cost to fully insure the risk of their protection plans was about $40,000. They enjoyed $360,000 in net profit which equates to over $5,500,000 in market cap based on a 6.5% rate. The properties eventually sold at a 6.72% market cap realizing the owner over $5,300,000 in profit on the sale of the portfolio. The owner previously offered a poorly implemented third party insurance product which would have only yielded a market cap increase of $361,000. Although this customer chose to implement a mandated program, our training provides other implementation strategies to increase participation rates offering it to all of your tenants on a voluntary basis. Offering it to all your existing tenants protects the facility. If an incident occurs at the facility and a tenant that does not participate in the protection plan attempts to make a claim, the facility can say, we wanted to be responsible; however, you turned down our offer for the protection plan. Offering an auto enroll-voluntary participation strategy can yield 60% or higher participation rates. The tenants also enjoy being offered one of the finest protection plans available anywhere. The Lloyd s of London policy offered by On The Move Insurance Agency insures the risk with no deductible for both the facility and the tenant. It also pays replacement cost verses actual cash values for your tenants goods. A premium quality lease can also offer the best value to your tenants as the facility sets a price to match the local market conditions. It s time to start offering a Protection Plan to safeguard your reputation, offering a premium quality lease to your customers as well as a new profit center adding tremendous value to your portfolio. Stop leaving money on the table! Offer a Protection Plan from On The Move that safeguards your reputation, provides a premium quality lease to your customers and adds a new profit center to your facility. 4
6 Small Facilities, Big Profits Protection Plan Training Services On The Move Insurance Agency has partnered with Protection Plan Training Services (PPTS), a management company providing training and access to an affordable contract liability insurance policy. When a facility signs up with the training program offered by PPTS, it enjoys a pay per month per protection plan fee that includes training and the cost to insure the risk of the program. It s a simple way to offer a protection plan without having to purchase an annual policy. As well as insuring the cost at a set rate, the facility gets to set its own pricing determining its margin. The protection plans are insured with a zero deductible for both the facility and the tenant with all claims handled by PPTS s carrier. PPTS training is comprehensive with many different implementation strategies available to operators to offer the program to existing tenants. The PPTS program is unique as it offers a way for facilities to grow their protection plan program to the point where it may one day warrant the facility purchasing its own policy, greatly improving margins. For more information on what PPTS can do to help you raise your rent roll and portfolio value, visit getsecurelease.com/ppts to calculate potential increase in rental revenue and portfolio value. 5
7 PROTECTION PLAN TRAINING SERVICES LET US SHOW YOU HOW Join our new protection plan training program and benefit from: Live online training Marketing materials including posters and counter cards Tools and strategies to help you reach your existing tenants effectively Pay a set rate to insure the risk You set the additional rental fee and keep the rest Finest terms and conditions in the industry No deductible for the facility or tenant The opportunity to increase margins substantially by the second year No upfront premium investment $250 enrollment fee includes marketing material and training Speak to a Protection Plan Training Specialist to find out how to join this incredible new program. PROTECTION PLAN TRAINING SERVICES (800) Visit Us Online: getsecurelease.com onthemoveinsurance.com onthemovetrucks.com 6
8 Self-Storage Property & Casualty Insurance On The Move Insurance Agency announces new markets for self-storage property and casualty coverage. Our carriers specialize in self-storage specific insurance products saving our operators from the recent wave of renewal rate increases. Our carriers understand the low risk and inexpensive rebuilding costs of most self-storage facilities and it s reflected in their competitive rates. Our programs are specific to the self-storage industry and cover industry specific perils: Legal Goods & Liability Sale & Disposal Limited Pollution Business Income Employee Dishonesty Hired & Non-Owned Auto Liability Equipment Breakdown There are many more industry specific covered perils included in our Self-Storage facility policies. Call today for a complete list of enhanced coverages. WE ARE SELF-STORAGE INSURANCE SPECIALISTS 7
9 New Construction - Builder's Risk Policy A property insurance policy that is designed to cover property in the course of construction Coverage is usually written on an all risks basis and typically applies not only to property at the construction site, but also to property at off-site storage locations and in transit. Builder's risk insurance can be written on either a completed value or a reporting form basis; in either case, the estimated completed value of the project is used as the limit of insurance. An advantage of allowing On The Move Insurance Agency to secure your Builder's risk coverage is that we write our Builder's risk polices through our Self-Storage specific carriers. This allows the policies to convert to the correct Self-Storage specific coverage for your new facility upon completion. 8
10 Calculate, Compare Protect your tenants property while earning additional rental income and adding value to your portfolio. Visit getsecurelease.com/calculate to use our new online calculator to: Project your protection plan revenue Evaluate the estimated increase in portfolio value Compare our program to your existing one See what On The Move Insurance Agency can do for your facility today! SELF-STORAGE INSURANCE SPECIALISTS Property and Casualty Tenant Protection Visit 9
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12 getsecurelease.com selfstorageinsurancespecialists.com
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