A quote comparison for commercial tenants
Two offers are easier to understand when the purpose, details and time period line up.
Copy the provider’s actual terms into the worksheet. Entries stay in this page’s memory and reset on reload. Download or print to keep them. This tool organises information; it does not price, rank or recommend a policy.
Full-term premium
Record the quoted amount, fees and taxes where applicable.
Currency
Use CAD, USD or the actual quote currency.
Policy period
Record the term, such as 12 months or 6 months.
Limits and sublimits
Include separate limits and whether any aggregate is shared.
Deductibles / retention
Specify the event or section to which each amount applies.
Insured people, property or services
Complete lease and landlord requirements
Territory / eligibility
Record the locations and conditions accepted by the provider.
Exclusions and conditions
Record the exceptions and conditions relevant to your situation.
Effective date and reporting basis
Include start date, reporting rules or waiting periods where relevant.
Premises and operations
Use of the unit, location and neighbouring exposures inform the review.
Contents and fit-out values
Separate stock, equipment and tenant improvements.
Recovery needs
Prepare revenue, fixed expenses and realistic repair lead times.
Your review notes
Show the entries in my comparison
Questions specific to your world
- Which lease requirements are satisfied and which need further review?
- Who must insure and restore each improvement after damage?
- Which closure scenarios meet the policy’s trigger?
- Does the proposed period reflect a realistic reinstatement timeline?
Different entries are prompts for discussion, not proof that an offer is better or worse. Ask about any blank or unclear term before deciding.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.