Coverage lines

Insurance built line-by-line for commercial landlords.

Each policy below addresses a specific exposure in leasing commercial space — from the tenant-caused fires your LRO must cover to the rooftop HVAC failures your equipment-breakdown policy is built for.

Core coverage

Lessor's Risk Only (LRO / LH-1)

Lessor's Risk Only — the LH-1 class program built for building owners who lease commercial space. Covers tenant-caused bodily injury and property damage, including fire damage from a tenant's operations, so a single tenant loss doesn't land on the owner.

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Commercial Property Insurance

All-risk coverage for the building itself — structure, roof, mechanical systems, and tenant improvements — written for the construction type, occupancy, and protection class of a commercial property leased to multiple tenants.

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General Liability Insurance

Premises liability protection for the building owner — slips and falls in common areas, parking-lot injuries, and third-party claims arising from the property you own and lease out to commercial tenants.

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Property Management E&O

Errors & omissions coverage for property owners and managers — claims from leasing mistakes, maintenance oversights, tenant disputes, and the day-to-day decisions that can turn into a negligence lawsuit.

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Boiler & Machinery / Equipment Breakdown

Equipment breakdown coverage for the systems that keep a commercial building running — boilers, chillers, elevators, electrical panels, and rooftop HVAC — where a mechanical or electrical failure can cost tens of thousands and shut down tenant operations.

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Umbrella / Excess Liability

Layered limits above your LRO, general liability, and auto — essential when a tenant-caused fire, a serious common-area injury, or a catastrophic structural loss could otherwise exhaust your primary coverage and reach your other assets.

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Commercial Auto Insurance

Coverage for the trucks and vans your property-management and maintenance crews use to service the building — including hired/non-owned vehicles when employees drive their own cars between properties.

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Workers' Compensation

Workers' comp for the building employees and maintenance staff on your payroll — porters, groundskeepers, handymen, and on-site managers — coded to the correct class code so you're not overpaying or underinsured.

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Not sure which lines you need?

Most commercial landlords bundle LRO + commercial property + equipment breakdown + an umbrella into one coordinated program. We'll build the right mix in one call.

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