Commercial industry
Commercial Lessors and Building-Owner Insurance
A commercial lessor’s job is to own the box and keep it leasable. The file is property at replacement cost, lessors-risk general liability, loss of rents, and ordinance-or-law on older masonry. Tenant certificates are how you keep a restaurant fire or a warehouse forklift claim from becoming yours alone.
We place owners of office, retail, and light industrial buildings. Habitational apartment and garden-style residential are a different class; we will say so if that is what you own. Hotel owners should also see our hotels page.
Risks we actually schedule
- Fire, water, or wind on a building insured to market value instead of rebuild cost.
- Loss of rents after a tenant-space loss that takes a year to restore.
- Premises claims in common areas, parking, and sidewalks.
- A tenant whose insurance exhibit was never enforced.
Frequently asked questions
Is lessors risk different from a BOP?
A lessor-occupied building is often written on a lessors-risk or monoline property form, not a tenant BOP. If you occupy a portion, we schedule owner-occupied and lessors exposures together.
Do I need loss of rents if I have a long lease?
A long lease does not rebuild the space. Loss of rents and extra expense are what keep the note paid while the shell is dark.
Should every tenant name me additional insured?
Yes, at limits that match the lease, with waiver of subrogation where the lease requires it. We help you set a certificate standard your manager can actually collect.
Related coverage, industries, and locations
Commercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsCommercial Umbrella
Extra liability limits over general liability, the BOP, and commercial auto when a serious claim exceeds primary.
Coverage detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Coverage detailsProperty Management
Managers of commercial office, retail, and industrial buildings — GL, E&O, EPL, and the owner certificates you issue every week.
Industry pageWarehousing and Storage
Warehouse legal liability, the building, the lift trucks, and goods that are not yours.
Industry pageHotel
Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.
Industry pageTexas
Licensed commercial insurance broker serving Texas.
State page