This product has been designed to attract building owners who rent their property with or without apartments and/or offices to eligible mercantile tenants.

Ineligible Lessor's Risk Only
Please note we cannot offer coverage to the following:
  • Commercial tenants not required to carry their own insurance and certificate of insurance confirming coverage not obtained by owner or property manager
  • Tenant operations include a hospital, nursing home, assisted living facility, elderly care facility, health care facility or residential exposure
  • Risks located in AK, LA or WV

Available Coverage for Lessor's Risk Only
  • Special form is available
  • Replacement cost is available
  • Value Plus Endorsement
  • Credits for:
  • Applicants requiring all commercial tenants to name the applicant as additional insured
  • Applicants requiring the tenant to be responsible for general condition of pavements and curbs (including ice and snow removal)

Coverage Limits Available for Lessor's Risk Only
  • Maximum property value of $3,000,000 (depending on protection class and occupancy of tenants) or in coastal areas up to $500,000 excluding wind and hail
  • Liability limits up to $1,000,000/2,000,000
  • Excess general liability or umbrella available up to $5,000,000