Commercial Tenant Insurance

Tenant’s legal liability insurance typically includes coverage for legal costs and damages related to the following coverage areas:

• Property damage: Costs to repair or replace the landlord’s premises and property but only in the space you occupy.Example: A hair salon on the second floor of a commercial building accidentally left water running overnight in a clogged sink. Damage occurred in the unit and the unit below, which was occupied by a doctor’s office. Damage to the doctor’s office will come from the salon’s general liability coverage, but damage to the salon’s floors will come from their tenant’s legal liability policy.

You can anticipate tenant’s legal liability to be included in a commercial general liability insurance premium.

The amount of coverage varies by insurer and you can request higher limits if you feel the quoted limit is not enough to replace the leased premises.

As every business is different, the following factors are typically taken into consideration when determining the cost of your premium:

• Your location
• The size of your business
• Annual and projected gross revenue
• Number of employees (if applicable)
• Previous insurance Claims

With more than 50 insurance providers in our partner network, Zensurance can get your small business the comprehensive, low-cost coverage you need to protect your finances and assets.