Lessor’s Risk

Lessor’s risk insurance protects you from liability arising from a lessee’s property loss, which includes damage and destruction of property, vandalism and theft. It only applies to property located in the building you own.

This type of insurance also protects you against claims for injuries to a lessee and its employees, as well as customers who visit the lessee’s location during the course of business.In order to qualify for lessor’s risk insurance, you must typically lease out the entire building or occupy no more than 25 percent of the building. Some policies may cover multiple buildings; however, most types of lessor’s risk insurance are location-specific.

What Type Of Real Property Is Covered?

  • Commercial properties
  • Apartment buildings
  • Retail complexes
  • Office spaces
  • Warehouses
  • Other building types


  • General Liability
  • Property
  • Auto Liability and Fleet Management
  • Boiler and Machinery
  • Transit and Cargo
  • Umbrella and Excess Liability
  • Active Shooter Insurance
  • Kidnap, Ransom and Extortion
  • Political Risk
  • Environmental
  • Pollution Liability
  • Product Liability and Clinical Trials
  • Workers’ Compensation
  • Professional Liability
  • Surety Bonds
  • International Risk
  • Builders’ Risk
  • Crime and Dishonesty
  • Terrorism and Sabotage
  • Fire, Flood and Earthquake
  • Risk Control and Management
  • Safety and Security Programs
  • Cancer Insurance
  • Group Insurance Programs
  • Cyber Liability
  • Inland/Ocean Marine
  • Garagekeepers Liability