Leasing Commercial Space

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Leasing retail, office, warehouse, or commercial space almost always comes with insurance requirements before you receive the keys.

I regularly assist business owners with reviewing lease insurance requirements and obtaining compliant coverage.

A red sign with white text reading 'NO STOPPING' is attached to a pole in front of a glass door with a red sign that reads 'LEAVE YOUR' above the bottom of the frame. The photo appears to be taken from inside a vehicle.

What insurance does my landlord require?

Most landlords require:

  • General Liability

  • Business Property coverage

  • Additional Insured endorsement

  • Certificate of Insurance

  • Certain liability limits

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Questions I can help answer:

What is a Certificate of Insurance (COI)?

A COI summarizes your insurance coverage and is often required before:

  • Key release

  • Occupancy

  • Beginning renovations

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What is an Additional Insured?

Before we begin obtaining quotes, I can review the insurance requirements provided by your landlord, lender, franchisor, or other interested parties. Once we've selected an appropriate policy, I can coordinate adding the required parties as Additional Insureds or Loss Payees (when applicable) and issue Certificates of Insurance for each party.

If any requirements are unclear, I'm happy to communicate directly with the property manager, lender, franchisor, or their insurance representative to help ensure everything is addressed before your lease, loan, or franchise opening moves forward.

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What happens if I don't have insurance before my lease begins?

Many landlords won't release keys or allow work to begin until acceptable proof of insurance has been provided.

Ready to Meet Your Lease Requirements?

Every business is different, and insurance requirements can vary depending on your landlord, lender, franchisor, and industry.

If you're ready to begin the conversation, please complete the insurance quote request form here. I'll review your information and contact you within two business days to discuss your options.

I am licensed to assist clients with business insurance solutions in my home state of California, and I hold licenses to practice in other states as well. Please click here to view the most current list of states I hold licensure in. If you don't currently see your state listed, feel free to contact me. Depending on the type of coverage you're seeking, I may be able to obtain the necessary licensing or connect you with an appropriate solution*.

*Please note that insurance products, carrier availability, and licensing requirements vary by state, so not every coverage option is available in every location.