Blog & insights

Lessor’s risk insurance, decoded

Plain-English guides on the coverage that matters for commercial property owners — Lessor’s Risk Only (LRO/LH-1), commercial property, premises liability, and the equipment-breakdown coverage that pays when the rooftop HVAC fails.

What Is Lessor's Risk Only (LRO) Insurance?
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Coverage BasicsMay 20, 20264 min read

What Is Lessor's Risk Only (LRO) Insurance?

A plain-English guide to Lessor's Risk Only (LRO / LH-1) insurance — what it covers, who needs it, and how it protects commercial property owners when a tenant causes a loss.

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Cost & Buying3 min read

Lessor's Risk Insurance Cost (2026 Guide)

A plain-English breakdown of what commercial property owners pay for Lessor's Risk Only, commercial property, equipment breakdown, and umbrella — and the levers that move your premium up or down.

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Coverage Basics3 min read

Does Your Building Need LRO If Tenants Carry Their Own GL?

Yes — and here's exactly why. A commercial landlord's own Lessor's Risk Only policy protects the building even when tenants carry their own general liability.

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Claims & Coverage4 min read

Tenant-Caused Fire Damage: Who Pays?

When a tenant's operation starts a fire in your commercial building, who covers the damage? A practical walkthrough of how LRO, commercial property, and the tenant's GL interact.

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Coverage Basics4 min read

LH-1 Class Code & Lessor's Risk Explained

What the LH-1 ISO class code means for commercial landlords, how it's priced, and why getting the class code right is the foundation of a Lessor's Risk Only program.

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