Protection plans offer your customers coverage against theft or damage to stored goods, in exchange for a monthly premium added to their rent. You configure plans on the same page as admin fees (Fees & Charges) using a specific format: Monthly cadence, Customer's choice mode.
For the general how-to of adding, editing, and deleting a fee, see the Fees & Charges (admin fees and protection plans) article.
Common questions
How do I add a protection plan customers can pick at checkout? Go to the Fees & Charges page, click Add a fee, choose Monthly cadence, Customer's choice mode, give it a name (for example "Protection plan $5,000") and a monthly amount.
How do I offer multiple coverage tiers ($2,000, $5,000, $10,000)? Create one fee per tier, using the Order field to control display order. Cheapest tier first is typical.
Does Stortech sell real insurance? No. Stortech only makes it easy to collect the premium. The actual coverage is either a limited warranty you offer yourself (funded by the premiums), or a partnership with a third-party insurer to whom you remit the premiums.
How do I cancel a customer's protection plan mid-rental? There's no self-service option, either customer-side or operator-side. Contact support to change the rental.
Are protection plans taxable in Quebec? If the plan qualifies as insurance with your accountant, it's typically not taxable. If it's a service or admin fee, it is. Check before checking Taxable.
Who this article is for
Creating and editing protection plans requires the Owner or Manager role. If you can't add fees, ask an Owner on your team.
Before configuring a plan
Define the protection structure you offer: coverage amounts, monthly premiums, exclusions.
Check with your accountant whether protection plans are taxable in your jurisdiction.
Decide whether you'll offer multiple tiers (limited vs. broader coverage) or a single plan.
Recommended configuration
For a fee to be recognized and used as a protection plan (operator and customer side):
Field | Recommended value |
Cadence | Monthly |
Billing mode | Customer's choice (optional) |
Name | For example |
Description | For example |
Amount | The monthly premium (for example $5.00/month for $2,000 coverage). |
Order | Display position. Costlier or broader-coverage plans are typically lower. |
Taxable | Based on jurisdiction (often not taxable in Quebec if the plan qualifies as insurance). |
Active | Checked. |
Create multiple coverage tiers
It's common to offer multiple plans at different prices (for example $2,000, $5,000, $10,000 of coverage). To configure them:
Go to the Fees & Charges page.
Click Add a fee.
Configure the first tier:
- Cadence: Monthly - Mode: Customer's choice - Name:
Protection plan $2,000- Description:Up to $2,000 of coverage against theft and damage.- Amount:5.00- Taxable: based on jurisdiction - Active: checkedRepeat for the other tiers ($5,000, $10,000).
Adjust Order to show them in the order you want (smallest first is typical).
See plans in the checkout
For online sign-up via the storefront:
The Insurance section of the checkout shows every Monthly + Customer's choice fee configured for the facility, regardless of its name.
The customer picks a plan, or leaves No insurance by default.
The chosen plan is added to the monthly rent invoice.
For manual rental creation:
The Insurance picker offers No insurance plus each configured plan.
You choose for the customer.
The filter is purely based on Monthly cadence + Customer's choice mode. The fee name has no effect on filtering. Naming conventions ("Protection plan $5,000", etc.) are organizational only.
What happens automatically
When you add a plan to a rental, the monthly premium is added to every monthly rent invoice.
The plan appears as a separate line on the invoice.
On a unit change, the plan is kept on the new rental.
On a scheduled move-out, the plan stops being billed at the end of the billing period.
Protection plans vs real insurance
Stortech doesn't sell real insurance built into the plan. The protection plan is typically one of these two models:
a limited warranty offered by the facility owner, funded by the collected premiums;
a partnership with a third-party insurer, where the premium collected by Stortech is remitted to the insurer.
The facility owner is responsible for the legal setup and claims handling. Stortech only bills the monthly premium.
Important statuses and fields
Item | Meaning |
Customer's choice | The customer can accept or refuse the plan at checkout. |
Monthly | The premium is billed on each rent cycle. |
Taxable | Based on jurisdiction and the legal status of the plan (insurance or service fee). |
Order | Position in the list of options offered to the customer. |
Common issues
Situation | What to check | What to do |
A plan doesn't appear in the checkout. Why? | Is the billing mode Customer's choice? Is the fee Active? | Edit the fee to check both options. |
The customer wants to change tiers after signing. What now? | Stortech doesn't expose a plan picker after signing, either customer-side or operator-side. | You can edit the rental manually, or create a manual credit invoice to adjust. For complex cases, contact support. |
The customer wants to cancel their plan mid-rental. What now? | No self-service option. | Contact support to remove the plan from the active rental. |
A claim is filed for covered damage. What now? | Stortech doesn't handle claims. | Contact your owner or the partner insurer directly. The customer must reach out to them. |
The Taxable status seems wrong for a plan. What to check? | In Quebec, insurance is typically not taxable, but "protection plans" outside the insurance category can be. | Consult your accountant and adjust the Taxable box per their recommendation. |