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.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
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.
Common questions.
Can you tell me if my coverage meets my lease?
What is a waiver of subrogation in a lease?
Do I need to insure my improvements?
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.
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.