i am a new operator/owner of an RV storage facility in La. and i have just been confronted with an insurance liability issue. even though my lease requires my tenants to furnish insurance on their rv's, my carrier for my liability just sent me a letter stating that all vehicles must carry liability. i own a class A and my liability is included in my policy because it is a drivable vehicle. now, two of my tenants have pull behinds that are pulled with different vehicles. i have contacted them and they are hestitant to provide their car or truck policies to me. anyone else having this issue:what do you do? also i have inquires that some people are looking at my closed in units with doors for record keeping, storing furniture, ect. how are you operators with self storage dealing with this issue? when someone rents are you asking for their liability from their homeowners insurance policies? if they are storing business records what do you get from them?sheryl

Sheryl,
As far as insurance for the vehicles, your tenants need to show that they have liability insurance in case they damage your property. This should be a requirement in your lease. You want to protect your business from careless (and not so careless) accidents.
As for the property of the tenant that is stored in your facility, many companies require insurance in their lease. At the very least they have a limit of what can be stored (usually $5,000 worth of property).
Many operators offer their clients insurance during the leasing process. The options vary but the tenant can pay the premium along with their rent or they can mail in a brochure to the insurance company.
Offering insurance can protect you from a tenant claim. It makes sure that they understand that, as a landlord, you are not responsible for their property.
There are several companies that offer either program. Look on the SSA website or in the ISS magazine for details.
Toni