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Why do commercial landlords need business insurance?
Landlords face significant risks. A tenant could file a lawsuit, or a fire could break out at a rental property. Commercial insurance helps landlords bounce back from legal costs and other financial losses. Some policies, such as workers' compensation, may be required by law.
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Insureon helps commercial landlords compare small business insurance quotes from top U.S. carriers online.
Get several quotes with one easy application.
What types of insurance do commercial landlords need?
These insurance policies cover the most common risks for landlords.
Business owner’s policy
A BOP, which covers lessor’s risk, bundles business property insurance and general liability insurance in one plan. It’s often the most cost-effective type of commercial landlord insurance.
BEST FOR
- Tenant injuries and property damage
- Damage to your building
- Business interruption incidents
General liability insurance
This policy protects landlords from common business risks, such as client property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged client property
- Libel or slander lawsuits
Commercial auto insurance
This policy helps cover medical bills and property damage in an accident involving a business-owned vehicle. Each state has its own requirements for auto liability coverage.
BEST FOR
- Car accidents
- Vandalism and theft
- Weather damage
Cyber insurance
A cyber liability policy helps commercial landlords survive data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
Workers’ compensation insurance
Most states require workers' comp for commercial property owners that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial umbrella insurance
Commercial umbrella insurance boosts business insurance coverage for general liability insurance, commercial auto insurance, and employer's liability insurance.
BEST FOR
- Multi-vehicle auto accidents
- Client injury lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
How much does business insurance cost for real estate professionals?
A small real estate business will pay less for insurance than a larger company.
Factors that affect premiums include:
- Type of business
- Business income
- Types of coverage purchased
- Property coverage options, such as replacement cost or actual cash value
- Policy limits and deductibles
- Insurance claims history
How do I get commercial landlord insurance?
It's easy to get commercial real estate business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your commercial rental business, whether you work independently or hire employees.
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