Lessor's Risk Insurance
When you lease space to tenants, you can be named in lawsuits for incidents that happen in their operations, even when you had no direct involvement. Lessor's Risk Only (LRO) coverage is built specifically around the landlord's exposures rather than the tenant's business.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For lessor's risk insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Lessor's Risk Only Liability
Liability protection tailored to landlords who lease commercial property to tenants.
Commercial Property
Covers your buildings, equipment, and contents against fire, storm, theft, and other covered perils, on a replacement-cost basis where available.
Business Income / Loss of Rents
Replaces lost income or rental revenue while your property is being repaired after a covered loss, keeping cash flow steady.
Commercial Umbrella / Excess Liability
Adds an extra layer of liability limits above your underlying policies to protect against catastrophic claims and large lawsuits.
Ordinance or Law
Covers the added expense of meeting current codes when rebuilding.
Who this is for
Landlords and owners leasing retail, office, warehouse, or mixed-use space to third-party tenants.
Let's build the right program for your business
Strategy that knows your business. Tell us about your operation and we'll design coverage that fits your real exposures and budget.