Also known as Landlord’s Insurance, our Lessor’s Risk Program provides coverage for those who lease or rent out commercial buildings. It is designed for building owners who lease out an entire building or occupy less than 75 percent of the building themselves and lease the rest to tenants.
Coverage Available
We have access to quality markets that provide coverage for:
- Building (Real Property)
- Building Contents
- Business Income
- Earthquake
- Equipment Breakdown
- Flood
- Loss of Rents
- Ordinance and Law
- Outside Signs
Coverage may be considered for:
- Older Buildings
- Coastal Property
- Bankrupt Operations
- Vacancy of 50 percent or more
- Fire protection classes 9 and 10
Coverage is not provided for:
- Ammunition manufacturing or shell reloading
- Anhydrous ammonia dealers
- Drug manufacturing
- Explosive or fireworks manufacturers
- Gas manufacturers
- Gasoline or oil bulk supply
- Lead manufacturing and lead works
- Nursing/convalescent homes
- Penal institutions
- Rubber manufacturing or rubber reclaiming
Liability and Property
- Liability
– General Liability limits up to $2MM/$2MM
– Umbrella/Excess limits up to $20MM - Property
– Limits up to $2MM (higher limits available) - Deductibles as low as $1,000
- Crime Inside the Premises – theft of money and securities
- Crime Outside the Premises
- Hired and Non-Owned Auto
800-432-3072