Commercial Tenant 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.
Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Instant price and coverage in just a few clicks!
Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Instant price and coverage in just a few clicks!
Partnerships with over 50 leading Canadian insurance providers
Partnerships with over 50 leading Canadian insurance providers
Why Choose Zensurance?
We help Canadian small 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. Your tenant’s legal liability insurance could cover the legal expenses and medical fees, totalling $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 commercial tenant insurance could cover the cost to replace the window and professionally clean the walls, totalling $15,000.
Problem: While decorating your rented office space, you accidentally drill a hole into a water pipe. Water damage destroys the carpeting.
Outcome: Your business tenant insurance could cover the cost to repair the carpet, totalling $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:
Our most recent reviews
See what our small business customers have to say about us.
4.8
3000+ Google Reviews
- Angela Grigg was awesome to work with. the process was very smooth and clear. Thanks for your helpHalyna Uvarova7/24/2024Had a great experience working with Julianne Katz as she walked me through the different insurance options and what they mean! I highly recommend their service.Sam Gabrail7/24/2024Bernard was very professional and helped us through the processMohd Adnan Khan7/23/2024
- Good service , I renewed my policy for the 3rd time, the zensurance team helped me to get the best option on the market that will suits my companyVladimir Perciun7/23/2024Staff are extremely helpful and attentive. They are very quick with their response time and turnaround time. I would highly recommend Zensurance to anyone!Tyson Buchannon7/23/2024Very helpful and reasonable rates. Bernard Albano worked with me to find the right insurance policy for my business and he reached out to be sure I had answers to all my questions. I would recommend Bernard and Zen insurance.Rachel Kruyf7/22/2024
- Received great service and all questions answered quickly. Happy customer!AL DL7/21/2024The insurance advisor that I was assigned with was “very” difficult to deal with but thankfully I was able to receive help from Mohammed a senior claims advisor who was very helpful.Kim Van Mil7/19/2024I've used Zensurance since the inception of my business. They have always taken the time to understand my needs, the renewal process is simple, and any time I needed updated to my policy, they were quick to respond.Seth Conlin7/19/2024
Ready to start? Let’s get a quote!
Getting business tenant insurance shouldn’t be complicated!
At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!
Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.