Scoops, Storage, and Smart Coverage: National Ice Cream Month Meets Storage Facility Insurance
July is National Ice Cream Month, and here in Camden, Tennessee, we’re all about beating the heat with a scoop (or two) of something sweet. But while your favorite frozen treat is safe in the freezer, the same can’t always be said for the valuable items stored in your facility.
Just like ice cream, your storage facility business needs protection from unexpected meltdowns—and that’s where commercial insurance comes in.
Is Your Coverage Solid or Melting in the Heat?
Running a storage facility in Tennessee comes with its fair share of risks—storms, theft, fire, liability claims, and even equipment breakdowns. Without the right insurance in place, one unexpected incident could leave your business stuck in the deep freeze.
Let’s look at the essential “flavors” of coverage every facility owner should have:
1. Property Coverage – Like a Sturdy Cone
Your buildings, gates, security systems, and office equipment are the foundation of your business. Property insurance helps cover damage from fire, storms, vandalism, or theft—so your investment doesn’t melt away.
2. Liability Insurance – The Cold, Hard Scoop
Whether it’s a slip and fall in the parking lot or a customer claiming their unit was damaged, liability insurance covers legal fees and settlements. It’s one of the most important coverages you can carry.
3. Business Interruption – When Operations Take a Dip
If a fire, flood, or other covered event forces you to temporarily close, business income insurance helps replace lost revenue so you can keep paying bills—even when the doors are shut.
4. Cyber Liability – Because Even Digital Freezers Can Break Down
If you offer online payments, gate access, or electronic records, you’re at risk for cyber threats. Cyber liability coverage can help protect you from data breaches, system failures, or ransomware attacks.
5. Optional Coverage Toppings – Pick Your Favorite Extras
- Equipment Breakdown (for climate-controlled units)
- Customer Goods Legal Liability (for tenant-owned property disputes)
- Crime Insurance (for internal theft or employee dishonesty)
Don’t Let a Drip Turn Into a Disaster
Just like ice cream, your business needs to be kept cool and protected from the heat—whether that means real summer temps or rising risks in the industry.
As an independent insurance agent based in Camden, TN, we work with facility owners all over the state to build custom coverage plans that fit your operation like your favorite sundae toppings.
From fire to fraud, storm damage to slip-and-falls, storage facility risks don’t take a summer break. We’re here to help you build a plan that keeps your business covered—so you can scoop up success all year long.
Ready for a coverage review that’s anything but vanilla? Let’s chat before the next storm rolls in.