Lessors Risk Insurance
Commercial Rental Property Insurance
Fillable Questionnaire - Complete a fillable PDF and submit it to us with your info.
Are you a renter or tenant looking to protect your property and liability? Click here for more help.
Need help figuring our what type of property insurance you need? Answer up to seven questions online and find a solution. Click here.
Lessors Risk Insurance is for your property that is tenant occupied building for commercial purposes and you or your business is not the primary occupant. This is the type of policy that is designed to protect your interests in the value of the building, your owned contents, your interest in continued income, and liability exposure in a tenant occupied commercial building.
| This type of insurance is sometimes referred to as Lessor's Risk Only Insurance, Commercial Landlord's Insurance, or Business Landlord's Insurance. |
Use the list above to narrow down the type of insurance policy package best for you or contact us for help at 607-843-8860 or insurance@drickardinsurance.com.
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Apartment
Industrial Main Street Office Restaurant Retail Mixture of the Occupancy Types |
Even if your tenant is required to carry coverage on the building and naming you as an additional insured you will still need insurance protection. It is possible that your tenant may not be liable for a claim but you as the landlord or property owner will be.
| We always suggest that you require in your lease that your tenant list you as an additional insured. |
Your eligibility for coverage will be greatly affected by the type of business you allow in your business. You may wish to check with us before leasing the building out to see how your policy will be affected by your tenant.
You should be concerned with more than the amount of coverage for your building. What about the loss of income you will have if the building cannot be occupied due to a covered cause of loss. What is someone sues you for a slip and fall or false advertising? Will you suffer what is called a co-insurance penalty for not insuring your building for enough? There are many more questions to ask, contact us at insurance@drickardinsurance.com or 607-843-8860 for the answers. Put us to work for you and let us design and find you your next policy.
If you occupy your commercial building you may not need a Lessors risk policy. Click here for more options (For insurance on buildings that you own and occupy the majority of the premises see the commercial area of our site and choose the type of business that best fits what you do.)
Need help determining what type of insurance you need for your property? Our Find A Solution question tree will be helpful. Even more helpful are our agents and brokers. Take the opportunity to chat with one now or call at 607-843-8860 or email at insurance@drickardinsurance.com.
Why require that my commercial tenants have insurance listing me as Additional Insured?
For more information and to find out if your tenant occupied property qualifies for the insurance policies we have found please contact us at insurance@drickardinsurance.com or 607-843-8860.
Click Here to send us basic information for an insurance premium indication.