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Why Do I Need Lessor’s Risk Insurance?

Lessor’s risk is a type of small business insurance for building owners who lease space to commercial tenants. Sometimes known as landlord's insurance, it protects building owners from a wide range of risks such as property damage or bodily injury that may occur on a property leased to a client. A lessor’s risk policy differs from a general liability policy in that it applies specifically to losses that result from a tenant's use of your real property.

Lessor’s Risk Insurance Protects You And Your Real Property

What Type Of Real Property Is Covered?

Commercial properties
Apartment buildings
Retail complexes
Office spaces
Warehouses
Other building types

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What's Covered?

Slip-and-fall injuries
Auto accidents on premise
Weather damage
Theft and vandalism
Fire
Water damage

What's NOT Covered?

Tenant’s personal possessions
Criminal negligence by the landlord
Damages resulting from contamination or pollution

Learn about our other business insurance types:

Business Owners Policy

General Liability

Professional Liability

Workers Compensation

Commercial Auto

Directors and Officers

Cyber Insurance

Other Insurance

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About CoverHound

Insurance shopping simplified by technology, backed by generations of experience. CoverHound® is an original InsurTech that allows consumers and businesses to easily compare and purchase insurance online — offering competitive rates and coverages in all 50 states with fast, accurate and actionable quotes from A-rated U.S. insurance carriers.

CoverHound is part of the Retail segment of Brown & Brown, Inc. (NYSE: BRO), a leading insurance brokerage firm, delivering risk management solutions to individuals and businesses since 1939. The Brown & Brown team is as connected locally as it is nationally, with more than 8,000+ Retail teammates in 300+ locations across the U.S. and select global markets. No matter where you are on your growth journey, our team is committed to help you find solutions to meet your ever-evolving needs.