Tenant Commercial Liability Insurance2019-06-26T13:09:54-04:00

Liability Insurance for Commercial Tenants

Running your business in a rented space? We’re tenant insurance experts. Let us make it fast, simple, and most importantly affordable for you to get Commercial General Liability for Tenants.

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Tenant Liability Insurance

What is Liability Insurance for Commercial Tenants ?

Many landlords require tenants to purchase a Commercial General Liability Insurance policy, or CGL for short.  CGL policies include coverage for Tenants Legal Liability. This is to satisfy the landlord (or building owner) that you have a means to indemnify them should you or one of your employees cause damage to the premises you are renting.

Commercial Tenant Coverage Highlights

  • Tenants Legal Liability: If you or an employee cause damage to the property you are renting you may be legally responsible for these damages.  This coverage would trigger and a claim would be payable to your property owner or landlord.
  • Bodily Injury: If your business is found legally liable for an injury to a third party while they are on your property this coverage would respond.
  • Coverage for Property Damage, Medical Payments and Advertising Injury are also included in this type of policy.

Some exclusions are:

  • Intentional or wrongful acts
  • Your physical assets (computers, office furniture)  these items would be considered contents are insurable on a Commercial Property policy

What Businesses need Tenant Insurance?

Here are some of the most popular businesses that require tenant insurance:

  • Accountants
  • Actuaries
  • Architects
  • Engineers
  • Business Consultants
  • Collection Agencies
  • Financial Advisors
  • Legal Consultants
  • Immigration Consultants
  • Interior Designers
  • IT Contractors
  • Lawyers
  • Mortgage Brokers
  • Placement Agencies
  • Private Investigators
  • Project Managers
  • Paralegals
  • Photographers
  • Recruitment Consultants
  • Staffing Agencies
  • Travel Agents
  • Videographers
  • Web-Site Designers

What is the cost of Commercial Tenant Insurance?

The cost of owning tenant insurance will depend on a number of factors including your gross revenue, years of experience and financials.

Usually a tenant insurance policy can start for as low as $60 / month

If you’re ready, get a free commercial tenant insurance quote online in just a few minutes!

Additional Policies to Consider

While Tenant Insurance provides the basic coverage, depending on your business type and industry additional coverage may be needed. You should consider the following options:

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Common scenarios where Tenant Insurance is useful:

Tenant Insurance Scenario 1

The sign that hangs above your retail store entrance was not installed correctly and has fallen onto a pedestrian as they passed on the sidewalk. In this scenario the Bodily Injury coverage would apply and cover the damages up to the policy limit.

Tenant Insurance Scenarios

You’re the CEO of a tech start up that has just recently moved into a beautiful rented office.  One night an employee leave’s the toaster oven on which accidentally causes significant smoke damage.  A Commercial General Liability policy would support this claim, triggering coverage under the Tenant Legal Liability coverage.


Your employee’s are moving office furniture when accidentally a desk breaks a large custom window in your rented loft space.  You notify the landlord and he proceeds to tell you that replacing the window will cost over 20k. In this scenario a Tenants Legal Liability would cover the cost

Frequently Asked Questions about
Tenant Insurance

Is Tenant Liability Insurance the same as Commercial General Liability Insurance?2019-06-26T13:01:02-04:00

Commercial General Liability Insurance is a general policy that applies to all sorts of businesses as it provides coverage for bodily injuries or property damage to third parties for which the business can be held liable. Tenant Liability Insurance provides similar coverage, but it is specifically designed to cover a tenant’s legal liability towards the landlord in cases of injury or property damage.

Does my Tenant Insurance policy cover my company’s property and equipment (computers, furniture, etc)?2019-06-26T13:00:42-04:00

Coverage for your company’s assets and equipment is not provided under a Tenant Insurance policy. The policy is designed to cover a tenant’s legal liability towards the landlord in cases of property damage or bodily injury. For example, if your employees damage the walls of the rented space, or someone injures themselves while on the rental property. Your own assets and equipment do not fall under this criteria and hence will not be covered by your Tenant Insurance policy. To protect your property and equipment, add commercial property coverage to your insurance policy.

Am I legally required to obtain Tenant Liability Insurance?2019-06-26T12:59:55-04:00

Although you are not legally required to obtain Tenant Liability Insurance, it is very common practice for landlords to require their tenants to have insurance coverage before leasing to them. Rental properties are expensive assets and damages can be extremely costly to fix. In fact, at Zensurance, in the majority of cases where a client requests a quote for Tenant Liability Insurance, it is because they have been asked to get insured before signing a lease.

What our customers say about us

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Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

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