Lessor’s Risk policies are designed to provide liability and property protection for building owners who lease their buildings. In some cases, the policy provides liability and property coverage for building owners who occupy a portion of their building and lease out the remainder of the building.

Our Admitted lessors risk insurance package includes both commercial property insurance and general liability insurance, which addresses a wide range of perils.

Eligible Coverage

  • Coastal Property (with wind)
  • Vacancy of 40% or less
  • Older properties (with renovations or updates to the roof, HVAC systems, electrical, and plumbing)

Available Coverage

  • Building
  • Business Personal Property
  • Business Income
  • Employee Theft
  • Equipment Breakdown
  • Exterior Signs
  • Forgery & Alteration
  • Hired & Non-Owned Auto
  • Money & Securities
  • Outdoor Property
  • Property Coverage Extension Endorsement
  • Robbery & Safe Burglary

General Liability

  • Liability coverage is provided for your operations and all premises you own, operate, or lease. This protection includes:
    – Limits up to $1,000,000 per occurrence / $2,000,000 aggregate (Higher limits may be available)
    – Medical payments coverage up to $5,000
  • Cyber

Crime Coverage

  • Employee Theft
  • Money & Securities
  • Forgery & Alteration
  • Robbery & Safe Burglary