Tenants Legal Liability Insurance
Are you running your business in a rented space and looking for the right liability coverage?
Good news – we’re business tenant insurance experts. Let us make it fast, simple, and affordable for you to get commercial tenants’ liability insurance.
Join over 150,000 businesses that have trusted us!
Save up to 35% on your insurance
Just a few minutes to get your best quote
Join over 100,000 businesses that have trusted us!
Save up to 35% on your insurance
Just a few minutes to get your best quote
Partnerships with over 50 leading Canadian insurance providers
Partnerships with over 50 leading Canadian insurance providers
Why Choose Zensurance?
We help Canadian business owners save time and money by providing
a convenient and affordable way to buy business insurance.
Convenience
Purchase your insurance anytime, anywhere, with our easy-to-use online platform.
Cost
Compare rates across leading insurance companies to ensure you get the best price on your premium.
Curation
We use data and analytics to identify the right insurance policies for your business.
Claims Examples
Problem: A customer trips over an item that fell off a shelf in your store and sprains their wrists.
Outcome: The client successfully sues your business for bodily injury. The bodily injury coverage could cover the legal expenses and medical fees, totaling $5,000.
Problem: After you’ve locked your office space for the night, your business is vandalized. While none of your office equipment is damaged, a large window has been smashed and the walls graffitied.
Outcome: You notify the landlord of the incident. Your liability insurance could cover the cost to replace the window and professionally clean the walls, totaling $15,000.
Problem: While decorating your office space, you accidentally drill a hole into a water pipe. Water damage destroys the carpeting.
Outcome: Your liability insurance could cover the cost to repair the carpet, totaling $15,000 in damages.
Tenant Legal Liability Insurance, Explained.
What is Tenants Legal Liability Insurance?
Tenants Legal Liability Insurance, also known as Commercial Tenant Insurance, is a form of commercial general liability insurance that protects your business against the day-to-day risks of running a business within a leased space.
Tenant Legal Liability Insurance typically covers the lawsuits and payments of claims related to third-party bodily injury (e.g., slip-and-fall) or third-party property damage. Before you rent a space, it’s common for a landlord to require Tenant Legal Liability Insurance, so they’re indemnified if you (or one of your colleagues) cause any damage to their premises.
What does it cover?
Tenants Legal Liability Insurance typically includes coverage for legal costs and damages related to the following coverage areas:
- Bodily Injury Liability: Injuries or damage to a third party resulting from your business operations.
- Third-party property damage: Costs to repair or replace the property of a third party, including damage to the landlord’s premises and property.
- Personal and Advertising Injury Liability: Allegations of defamation, libel, slander, or false advertising due to your services.
What does it not cover?
Tenant Legal Liability Insurance provides coverage for accidental injuries and property damage to third parties.
Here are some examples of what you would not be covered for under this coverage.
- Bodily injury to yourself or your employees;
- Contractual liability;
- Intentional or wrongful acts;
- Errors and omissions (you’ll need Professional Liability Insurance);
- Your personal property (look into Contents Coverage or Equipment Breakdown Coverage);
- A product you manufacture or sell (Product Liability would generally offer coverage); or,
- Third-party damage or bodily injury due to an alcohol-related incident (we recommend Liquor Liability Insurance if you serve alcohol).
How much does it cost?
You can anticipate spending $60 annually on a basic Tenants Legal Liability Insurance policy for a small business.
As every business is different, the following factors are typically taken into consideration when determining the cost of your premium:
- Business Size and Location
- Annual and Projected Gross Revenue
- Number of Employees
- Previous Insurance Claims
We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.
Frequently Asked Questions
Commercial General Liability Insurance is a general policy that applies to all sorts of businesses (not just companies in leased spaces). It provides coverage for bodily injuries or property damage to third parties for which the business can be held liable. Commercial Tenant Liability Insurance provides similar coverage, but it is specifically designed to cover a tenant’s legal liability towards the landlord in injury or property damage cases.
Coverage for your company’s assets and equipment is not provided under a Commercial Tenant Insurance policy. The policy is designed to cover a tenant’s legal liability towards the landlord or other third party. To protect your property and equipment, make sure you add Commercial Property Insurance to your policy.
Although you are not legally required to obtain Tenant Liability Insurance, it is common practice for landlords to require their tenants to have insurance coverage before leasing to them. In most cases, tenants are asked to get insured before signing a lease.
Other business insurance coverage options to consider:
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Mark was very helpful in gliding me through the process of obtaining my Business Insurance policy!Thank you, Mark!
Erika R6/24/2022The renewal process was quick and easy for the most part. When I needed assistance in completing the document it... read moreThe renewal process was quick and easy for the most part. When I needed assistance in completing the document it was provided in a quick and efficient manner. read less
Ross Leclair6/24/2022Brenda was a pleasure to work with, thanks again.
Gregory Tome6/23/2022 -
I needed liability insurance to teach Senior's fitness. Zensurance staff were helpful, offered a reasonably priced product (I did... read moreI needed liability insurance to teach Senior's fitness. Zensurance staff were helpful, offered a reasonably priced product (I did check with 3 other companies) and fulfilled my order quickly and efficiently. I would recommend them to anyone, anytime. read less
Margaret Harris6/23/2022Josh did an incredible job very helpful and informative. He was able to accommodate my tight schedule and supply me... read moreJosh did an incredible job very helpful and informative. He was able to accommodate my tight schedule and supply me with everything I needed. He will be the first person I will call in my future needs. read less
GARNET BANFORD6/23/2022Great experience so far! Just signed up for some commercial insurance -- Josh H helped us... very fast and efficient,... read moreGreat experience so far! Just signed up for some commercial insurance -- Josh H helped us... very fast and efficient, and a great price. read less
Suzanne Peters6/23/2022 -
Mark Cote was super helpful and quick to respond to my calls and emails. He got me the best rate... read moreMark Cote was super helpful and quick to respond to my calls and emails. He got me the best rate for my yoga and fitness policy. I recommend this Canadian company for all fitness professionals. Site is easy to navigate, and the online chat team is responsive and helpful as well. Thank you! read less
Hamida Denny6/06/2022Perfect so far - Easy to sign-up and get coverage at a reasonable rate. This was by far the best... read morePerfect so far - Easy to sign-up and get coverage at a reasonable rate. This was by far the best experience I have had getting coverage for my small business. Justin was great and I am very happy with Zensurance so far.
I don't have experience with any claims (hopefully I won't need one), but would recommend this insurer if you are looking for coverage. read lessTrevor Schofield5/26/2022Absolutely a great support service. They respond to my emails quickly. Their chat feature on their website is... read moreAbsolutely a great support service. They respond to my emails quickly. Their chat feature on their website is very easily accessible, and I only waited for one minute! Couldn't be happier.
We are pleased that we switched to this broker from our old broker that we were with for over 20 years.
Zensurance is highly recommended if you are looking for business insurance. read lessJeff Panasuik5/20/2022
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