Auto-Protect Max is available for facilities that use Storable Insurance (Storsmart or Bader) as their insurance provider and can be enabled by the Storable Team. If you're an insurance customer or interested in offering tenant insurance, reach out to insurance@storable.com.
Auto-Protect Max provides everything you need to automate insurance enrollment for tenants, including document management, tenant communication, and billing. New and existing tenants will be enrolled in your lowest cost plan if they fail to provide your facility with proof of private insurance coverage.
Exclude unit types from insurance (optional)
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, such as a unit that isn’t covered by your insurance policy. Insurance won’t be offered when a tenant moves into a unit of that unit type.
To exclude a unit type from insurance:
Navigate to Setup in SiteLink Web Edition.
On the Units & Tenants tab, click Unit Types.
Select a unit type that should not be automatically covered by insurance.
Check Exclude from Insurance.
Click OK.
Exclude a tenant from Auto-Protect
If you would prefer that the tenant not be included in the Auto-Protect program and you would like them to be exempt, follow the steps below:
On the Insurance screen (accessed from the Payment screen, Move-In screen, etc), check Exempt from Auto-Protect.
Select a reason from the dropdown menu.
Click OK.
How Auto-Protect Max works for existing tenants
When you sign up for Auto-Protect Max, we’ll reach out to your current tenants to ensure they are covered by either your store insurance or private insurance. Learn more in our article: The Audit Letter Program.
How Auto-Protect Max works for new tenants
During the move-in, you can select either store insurance or private insurance for the tenant. If the tenant opts for private insurance, select "Private Insurance." A message explains the next steps, and you can notify the tenant that they will receive an email with a link to upload proof of insurance.
If a customer elects to enroll in your store insurance during the move-in process, add insurance in the Charges section, then select the coverage amount they choose.
If instead, they have proof of private insurance coverage, you can enter their insurance details in the Proof of Insurance section of the Insurance screen. Alternatively, the customer can submit proof through the Insurance Proof Portal. They will receive automated emails with a link to the Portal, where they can submit their insurance details and Declarations page.
The Insurance Agreement will be generated at move-in along with your lease and any other move-in documents you require. It states that the tenant agrees to be enrolled in and pay for your facility’s insurance plan if they decline to purchase it at move-in and they don’t provide proof of private insurance within the 14-day grace period.
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 for signature collection, ensure the Insurance Agreement is signed and uploaded to your software. There will be a checkbox at move-in asking you to confirm that all required documents (including the Insurance Agreement) have been physically printed and signed.
Insurance Agreement:
If the tenant did not purchase coverage at move-in, they will receive an email immediately after move-in and 7 days before the end of the grace period, reminding them that they’ll need to provide proof of private insurance or they’ll be enrolled in your store insurance at the end of the grace period. The email includes a link to our Proof of Private Insurance Portal, where they can enter their private insurance details.
Example:
They will also receive two reminder emails prior to enrollment.
If the tenant doesn’t provide proof of private insurance within the grace period, they will be automatically enrolled in your store insurance and receive an email confirmation. It provides them with details about their enrollment, monthly premium, and links to a brochure and Certificate of Insurance.
Example:
Submitting private insurance coverage
Tenants can submit proof of their private insurance coverage during the grace period by clicking the link to our Insurance Proof Portal from the Auto-Protect emails and entering their insurance details or by submitting those details directly to your facility.
The tenant should fill in the fields on this page, upload their private insurance Declarations page, check the boxes at the bottom, and click Submit. The tenant will not be enrolled in your store insurance plan.
📖 Learn more about the Proof Program
Viewing enrollment activity in Sitelink
No additional action is needed on your part unless a tenant reaches out to sign up for a specific insurance plan.
However, you can check the insurance enrollment status of your tenants on the Insurance Enrollment screen in SiteLink Web Edition by clicking Enrollment from the Operations screen.
This screen has two tabs: Tomorrow’s Enrollments and Search Enrollments.
Tomorrow’s Enrollments
This tab shows all tenants who will be automatically enrolled in your Store’s insurance and get the welcome email tomorrow.
Search Enrollments
This tab shows all tenants in the Auto-Protect workflow, along with the document they’ll receive next and its status. Please note: Only tenants who moved in after you enabled Auto-Protect, who are not exempt from Auto-Protect, and did not move into a unit that was exempt from Auto-Protect will appear on this screen.
Columns
Tenant: Tenant’s name
Unit: Tenant’s unit
Workflow: The step of the Auto-Protect process the tenant is currently in.
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Initial Document, Enrollment Document, Welcome Document: These columns will indicate the status of the document:
Pending: The document hasn’t been sent yet.
Sent: The document has been sent (via email).
Delivered: The document has been delivered to the tenant’s inbox.
Consented: Indicates whether the tenant signed the Auto-Protect Agreement. If they have not signed the agreement, this column will say No. The Auto-Protect process will not begin for them until they have signed the agreement. All documents will remain in Pending in the document columns until the agreement is signed.
View private insurance coverage submissions
Navigate to the Payment screen in SiteLink Web Edition and select the tenant and unit you want to view. There will be a shield icon in the bottom-right corner of the screen, next to Proof Status. If the shield is gray, the tenant is not insured. If it's green, they're either insured or have submitted proof of coverage.
If you click the Insurance button above the shield and proof has been submitted, you'll see their policy information in the Proof of Insurance section.
After a tenant declaration page is uploaded in the Insurance Proof Portal, it will appear in the Tenant Profile screen: