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Commercial lease insurance requirement review.

Commercial leases bury insurance requirements in the fine print: liability limits, additional insured status, waivers of subrogation, property and improvements coverage, and sometimes business income. We help tenants understand what a lease actually requires and whether their coverage meets it before they sign.

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A commercial lease typically tells you what coverage to carry, at what limits, and who to name. Signing without checking can leave you in breach of the lease or short on coverage. We read the requirement against your policy so there are no surprises, but the lease language itself is what governs.

What leases commonly require

Most leases require general liability at a stated limit, name the landlord and sometimes a property manager or lender as additional insured, and ask for a waiver of subrogation. Many also require you to insure your improvements and betterments and carry business income coverage.

Each of these is specific. Meeting them is about the exact endorsements and limits, not just having a policy.

Where tenants get caught

The common problems are limits below what the lease requires, missing additional insured or waiver endorsements, and assuming the landlord's policy covers your build-out and contents. It usually does not.

A quick review before signing avoids agreeing to terms your coverage cannot meet.

How we help

Send us the insurance section of the lease. We will compare it to your current coverage, flag the gaps, and tell you what it takes to comply. If you need coverage placed, we will shop it; if you only need confirmation, we will give you a straight read.

Frequently asked

Common questions.

Can you tell me if my coverage meets my lease?
We can review the lease's insurance section against your current policy and flag gaps. Whether the policy strictly satisfies the lease depends on the exact wording, which is why the review matters.
What is a waiver of subrogation in a lease?
It means your insurer gives up the right to recover from the landlord after paying a claim. Leases often require it, and it usually needs a specific endorsement, which is worth confirming.
Do I need to insure my improvements?
Often yes. Leases commonly make the tenant responsible for improvements and betterments, and the landlord's policy may not cover them. It is worth reviewing what your build-out is worth.
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Signing a commercial lease?

Send us the insurance section and we will tell you whether your coverage meets it, and what to fix if it does not.

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We compare the lease's insurance section to your policy
We flag missing endorsements and low limits
We explain additional insured and waiver requirements
You get a clear read, no obligation
Related resources

Keep going.

Coverage

General Liability

The limit leases most often require.

Coverage

Commercial Property

Improvements, betterments, and contents.

Coverage

Business Interruption

Income protection leases may require.

Resource

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Check your lease requirements now.
Independent and business-first

Commercial lease insurance requirement review.

Tell us what you are dealing with and we will give you a clear, no-obligation read and the right next step.

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