Tenant liability
Review the lease’s insurance terms and questions about damage to rented premises.
Bring the detail
Prepare complete lease and landlord requirements. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Contents & improvements
Discuss stock, equipment, fixtures, and improvements you are responsible for replacing.
Bring the detail
Prepare use of premises and business activities. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Business interruption
Ask what triggers cover, which expenses are included, and how long support may last.
Bring the detail
Prepare contents and improvement values. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
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.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: Commercial tenant insurance: what to take to your broker →