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WHY UNDERSTANDING EXCLUSIONS MATTERS
Storage facility insurance policies provide broad protection, but no policy covers every possible scenario. Many claims issues arise not because insurance was missing, but because exclusions were misunderstood. This guide explains the most common exclusions found in storage facility insurance policies and how to manage them.
Common Exclusions in Storage Facility Insurance
- Wear and tear, gradual deterioration or lack of maintenance
- Unoccupied or vacant buildings beyond permitted periods
- Flood damage in high-risk zones without specific cover
- Theft where required security measures are not in place
- Damage caused by vermin or pests
- Pollution or environmental contamination
Exclusions Relating to Customer Goods
- Customer goods not owned by the operator
- High-value items exceeding declared limits
- Perishable or temperature-sensitive goods
- Hazardous, flammable or prohibited items
- Goods stored contrary to rental agreement terms
Liability & Compliance-Related Exclusions
- Contractual liabilities not declared to insurers
- Fines, penalties and punitive damages
- Known circumstances existing before cover inception
- Intentional or fraudulent acts
- Failure to comply with statutory regulations
How to Avoid Insurance Gaps
- Declare all activities, services and storage types accurately
- Ensure security and fire protection meet policy requirements
- Review flood risk and environmental exposures
- Check customer contracts align with insurance cover
- Review cover annually or when operations change
Why Use Insure24
- Clear explanation of exclusions and policy wording
- Independent review of your storage facility risks
- Advice on extensions and specialist cover options
- UK-based experts in storage facility insurance
FREQUENTLY ASKED QUESTIONS
+-Are customer goods automatically covered?
No. Customer goods are usually insured separately by the customer unless goods-in-care
or specific extensions are arranged.
+-Is flood damage always excluded?
Flood cover may be restricted or excluded in high-risk areas unless specifically
agreed with insurers.
+-Can exclusions be reduced or removed?
Some exclusions can be reduced through policy extensions, higher security standards
or specialist insurers.
+-Do exclusions apply to all insurers?
No. Exclusions vary by insurer and policy wording, which is why specialist advice
is important.
+-Can Insure24 review my exclusions?
Yes. Insure24 can review your policy wording and highlight exclusions and potential
coverage gaps.
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