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Auto-Protect

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Auto-Protect is a feature within storEDGE software that enables you to ensure that all occupied, insurable units at your facility are covered by some form of insurance. With Auto-Protect enabled, storEDGE will automatically enroll any tenant in your store insurance plan if they fail to provide your facility with proof of private insurance coverage within a grace period after move-in.

The Auto-Protect functionality provides you with everything you need to automate insurance enrollment for new tenants, including document management, customer communication, and billing.

This guide is intended to provide you with provide information and instructions on how to enable and use Auto-Protect to keep all of your tenants covered by an insurance policy. You'll learn about:

How Auto-Protect works

Enablement

Auto-Protect is an optional feature, so you’ll need to enable it within your software settings. You’ll have the option to enable Auto-Protect for individual facilities or multiple facilities. 

At Move-in

Whether a tenant is moving in online through your website or you’re processing a move-in in-person at your facility, tenants will sign a required insurance agreement. This document will be generated at move-in along with the lease and any other move-in documents that you use at your facility. The insurance agreement states that the tenant agrees to enroll and pay for your facility’s insurance plan if they decline to purchase it at move-in and if they don’t provide proof of private insurance. 

After a move-in has been completed, storEDGE will send your tenant an email reminding them that they must provide your facility with proof of private insurance or be enrolled in your store insurance plan.

Enrollment

Your tenant will be scheduled to be enrolled in your store insurance policy, and storEDGE will send your tenant another reminder email 7 days before that scheduled enrollment if they don’t provide proof of private insurance within the next 7 days. 

If the tenant does provide proof of private insurance before the grace period has ended, you’ll need to edit their insurance information and enter their private insurance details. When those details are entered into storEDGE, the tenant will not be enrolled in your store insurance plan. 

If the tenant does not provide proof of private insurance, the tenant will be enrolled automatically in your store’s coverage plan that has the lowest cost premium. When storEDGE enrolls the tenant, they’ll receive an email confirming their enrollment with an attached brochure and Certificate of Insurance. The tenant’s first insurance payment will be prorated and will be added to their next bill. If the tenant has consented to autopay, their insurance premiums will be paid automatically.

Monitoring enrollment

You’ll be able to keep track of insurance enrollment at your facility in several places:

  • Task List - You’ll receive an item labeled Invalid New Private Insurance on your Task List. When you expand this section, you’ll see a list of tenants who are currently not enrolled in store insurance or haven't provided proof of private insurance, along with the date that they’ll be enrolled in insurance if they don’t provide proof of coverage. Additionally, you’ll receive a Task List item labeled Missing Insurance that will redirect you to the Insurance tab and show you tenants who will be enrolled the following day.

  • Insurance Tab - When you’ve enabled Auto-Protect, you’ll have a new insurance dashboard on the facility level of your software. The Insurance tab provides a list of every tenant at your facility along with their insurance status and enrollment date. You’ll be able to filter this list by insurance status.

Exclusions & Exemptions

You can exclude specific unit types from insurance enrollment to ensure you don’t sell insurance plans for unit types that aren’t insurable or for which you don’t want insurance to be required. Additionally, you can mark a tenant exempt from insurance coverage if you choose. Excluding unit types from insurance and making tenants exempt from insurance is completely your choice to make based on your business needs.


How to enable Auto-Protect

Enabling Auto-Protect takes just a few steps:

  1. Exclude unit types that you don’t want insured.
  2. Update brochure and certificate links.
  3. Enable Auto-Protect settings.
  4. Enable insurance document templates.

After Auto-Protect settings are in place, there are a few simple operational tasks you need to maintain to ensure that your software continues to automate new insurance enrollments:

Additionally, you can mark some of your tenants exempt from insurance enrollment if it meets your business needs.

Excluding unit types from insurance

Excluding a unit type from your store insurance prevents you from selling coverage for units that you don’t want or need to be insured, like a unit that isn’t covered by your insurance policy. Once you've configured your software settings to exclude a unit type from store insurance, insurance won’t be offered for that unit type in your software or through online move-ins. Additionally, Auto-Protect will not enroll tenants in store insurance when their rental is an excluded unit type.

To exclude a unit type from insurance:

  1. Navigate to your Unit Types settings on the Software Settings tab of the Corporate section of your software.
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  2. Click Edit next to the unit type you'd like to exclude.edit_types.png

  3. On the next screen, check the box next to Do not allow store insurance on this Unit Type.
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  4. Click Save.

Updating brochure and certificate links

When storEDGE enrolls a tenant into your store insurance plan, your tenant will receive an email with links to their brochure and Certificate of Insurance. Our team will ensure these links are populated appropriately for you or work with you to ensure the correct information is added. You’ll find the fields for the brochure and certificate links in your Corporate Insurance settings.

Enabling Auto-Protect settings

To enable Auto-Protect, you’ll need to enable the settings that control the functionality and ensure  the certificate and brochure links have been added. The certificate and brochure links will  provide insurance documentation to tenants when storEDGE enrolls them in your store insurance. 

To enable Auto-Protect:

  1. Navigate to your Corporate Insurance settings.
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  2. Click the Settings tab.
  3. Next to Private Insurance: Failure to show proof of private insurance within a grace period will auto enroll new tenants in Facility insurance, select Yes.
  4. Expand the facility list and check the boxes next to the facilities for which you’d like to enable Auto-Protect.
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  5. Click Save.

Enabling insurance document templates

Letters

Auto Enroll Insurance Agreement: You’ll find this template in your Corporate Letters settings. The insurance agreement will be automatically enabled and added to your document sets. It will populate at move-in and includes an e-sign bracket replacement to allow you to electronically capture a signature. Tenants will need to sign this document at move-in by e-sign. Alternatively, you can print the insurance agreement and have the tenant physically sign it in your office.
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This document is system-generated and cannot be edited because it contains language approved by the Storsmart/Bader legal team.

Emails

Your tenants will receive three different emails after signing the insurance agreement at move-in when they haven’t purchased your store insurance. You’ll find these templates in your Corporate Emails settings. These templates are system-generated and can’t be edited, but are pre-populated with document bracket replacements that will ensure details like your facility name and tenant information displays correctly.

Auto Enroll Insurance Initial: This email will be sent to your tenant at move-in to remind them that they’ll need to provide you with proof of private insurance or be enrolled in your store insurance.
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Auto Enroll Insurance Reminder: This email will be sent to your tenant 7 days before your grace period ends. It serves to remind your tenants that they have 7 more days to provide your facility with proof of private insurance before being enrolled in your store insurance policy.
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Enrollment into Storable Insurance: This email will be sent to your tenant (if they failed to provide proof of coverage within the grace period) after storEDGE has enrolled them in your store insurance. It provides them with details about their enrollment, monthly premium, and links to a brochure and Certificate of Insurance. These links provide your tenant with information about the insurance plan in which they’re being enrolled.
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Gathering tenant signatures on the insurance agreement

The insurance agreement is a document that your tenant signs that gives you their acknowledgement and consent to be enrolled in your store insurance policy if they don’t provide proof of private insurance coverage for their rental. The insurance agreement states:

Occupant is required to provide proof of insurance to Owner before placing any items into the Storage Space. Occupant agrees and acknowledges that failure to provide proof of insurance will result in Occupant’s automatic enrollment in and financial responsibility for the Tenant Property Insurance Program made available by the Owner for the minimum amount of coverage under the Insurance Program. Occupant has the right to Opt-Out or cancel the Tenant Property Insurance at any time upon the delivery of proof of other insurance on the stored goods.

This document will be generated at move-in along with your lease and any other move-in documents that you require. If you use e-sign functionality to gather signatures, the tenant can sign the insurance agreement electronically along with their lease. If you print documents to gather signatures, you’ll need to ensure that the insurance agreement is signed and then uploaded into your software. There will be a checkbox at move-in asking you to confirm that all documents (including the insurance agreement) that require a signature have been signed.
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Entering private insurance details

If your tenant contacts you after move-in and provides you with private insurance details, you’ll need to add those details to their tenant record to prevent them from being enrolled in store insurance. To add private insurance details:

  1. Navigate to the tenant’s record.
  2. On the right side of the screen, click Edit next to their rental information.
  3. Scroll down to the insurance section of their rental and click Edit.
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  4. Enter the tenant’s private insurance details in the new window. You’ll need the insurance provider’s name, the policy number, and the expiration date.
  5. Click Save.

Monitoring insurance enrollment

Your Task List will notify you when tenants at your facility are missing private insurance information. When you follow up on those Task List items, you’ll be directed to the Insurance tab of your software, where you can see the insurance status of every unit at your facility. There are two different Task List items that will alert you to enrollment events:

  • Invalid New Private Insurance: This Task List item shows you which of your tenants need to provide proof of insurance once more.
  • Missing Private Insurance: This Task List item shows you who will be automatically enrolled in store insurance the following day. It will also lead you to your Insurance tab, which shows the insurance status of all of your tenants in one place.
  • There are several ways your Task List can help you keep track of private insurance expiration to help you keep every insurable unit at your facility covered. You can read about how to manage expired private insurance on the storEDGE help site.

The Insurance Tab

Your Insurance tab provides you with a filterable list of all of your tenants with their insurance status displayed. You’ll be able to see who’s uninsured, whose insurance will be expiring soon, which tenants are covered by your facility insurance or their own private policy.
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Making a tenant exempt from insurance enrollment (optional)

If you’d like to allow a tenant to be exempt from automatic enrollment in your store insurance policy, you’ll need to note that exemption on their tenant page. To do so:

  1. Navigate to the tenant’s page.
  2. Click Edit Tenant.
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  3. Scroll down to the Exemptions section of their page and check the box next to Insurance Exempt and enter the reason they’re exempt.
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  4. Click Update Tenant to save your changes.

What your tenants will experience when Auto Protect is enabled

At Move-in

  • Your tenant must sign an insurance agreement stating that they agree to be enrolled in and pay for the lowest insurance plan offered by your business if they don’t provide proof of insurance coverage in 14 days.
  • Your tenant will receive an email reminding them of your enrollment policy.

After Move-in

  • Your tenant has the option to provide you with proof of private insurance coverage.
  • Your tenant will receive an email 7 days before reminding them that they have one more week to provide insurance coverage or they’ll be enrolled in your store policy.

At Enrollment

  • If your tenant did not provide proof of private coverage within 14 days, they’ll receive an email from your facility letting them know they’ve been enrolled. Links to the brochure and Certificate of Insurance will be provided in the email.

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