Your space to grow.
Your landlord insures the building. Understand the questions around your contents, improvements, operations, and lease obligations.
Clear guides. Useful questions. Your next step.
Your world, considered.commercialtenantinsurance.com
A Broker.insure PortalProtection starts
with better questions.
These are areas to explore with a licensed provider. The exact cover, exclusions, limits, and availability depend on your circumstances.
Tenant liability
Review the lease’s insurance terms and questions about damage to rented premises.
Contents & improvements
Discuss stock, equipment, fixtures, and improvements you are responsible for replacing.
Business interruption
Ask what triggers cover, which expenses are included, and how long support may last.
Read the lease first.
A water incident damages a leased unit and forces the tenant to close. The building policy, contents policy, and lease allocate different responsibilities.
Let’s unpack itA discussion example, not a claim outcome or a promise of cover.
A little preparation.
A clearer conversation.
A closer look.
The lease, the landlord and your improvements
A landlord’s building policy and a tenant’s lease obligations should be reviewed side by side.
Field notes · 3 min readPlanning for a closure in a leased unit
Lost revenue, ongoing expenses and temporary relocation need more detail than a single interruption limit.
Interactive worksheetTwo offers. A clearer comparison.
Record the terms, identify unanswered questions and keep your own comparison notes.
Good questions.
Worth asking.
Does the landlord insure my stock and equipment?
Do not assume it does. Ask the landlord what its policy addresses and discuss your contents, stock, improvements and interruption exposure with your own provider.
Is every closure an insured interruption?
No automatic conclusion is possible. The wording may require a defined insured event and other conditions. Ask about the exact closure scenarios that concern your business.
Can I send only the lease’s insurance paragraph?
Start with the full lease. Related repair, indemnity and reinstatement clauses may affect responsibility even when they appear outside the insurance section.
A few useful neighbours.
Canadian small businesses
Make sense of general liability, professional services, and the risks that deserve their own insurance conversation.
Startups
From a first customer contract to a growing team, give insurance a place in your next stage of growth.
Catering businesses
From the prep kitchen to the final plate, explore cover questions for food, equipment, and off-site service.
Let’s start with your world.
Tell us a little about what you’re looking for. Your location helps the team understand the enquiry.