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:
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- thanks for consistently prompt and professional service :0)Miramichi House3/04/2024This firm offers great rates with great online services. Their representative, Bernard Albano, was very helpful and diligent with follow-up.Scott Dalsin3/04/2024Great support provided by the Renewal team. Sangki one of the Renewal Manager's was very responsive, listened to my concerns and helped get a very competitive rate whiling getting the coverage we needed.Pedram Varjavandi3/04/2024
- Very please with their service. Prompt responses. Friendly customer service. I’d definitely recommend for your business insurance needs.Ti-Anna Hall3/03/2024I am a CPA, CA and Zensurance made it very easy to get the coverage I need at a very affordable price. Mike Lancaster in particular was very helpful in explaining the policy and what my answers to the questions meant. Highly recommendAaron Herman3/02/2024excellent service... I highly recommend. Jesse was wonderful to deal withCharlene Hooper3/02/2024
- Helpful and thorough - Adina Bennion at Zensurance guided me to the coverage that fits my business and I got the coverage I was looking for in a smooth process over the internet.Wayne Mitchell3/02/2024Great service! Efficient and clear. Made it easy to set everything up.My TogBlog3/01/2024Quick and comprehensive online insurance quoting. Quick follow up and communication with the team. And competitive offerings and pricing. Would definitely recommend.Tiana R3/01/2024
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