Make an insurance obligations list
Extract named entities, required limits, additional-insured requests and responsibility for damage from the lease. Bring the complete lease to the provider. An insurance certificate can evidence a policy but cannot establish that every lease obligation is insured.
Which lease requirements are satisfied and which need further review?
Value the fit-out properly
Identify fixtures, partitions, flooring and specialist installations you must repair or replace. Record whether they were installed by you or a previous tenant. Ask about replacement values and whose policy is expected to respond; ownership alone may not explain the lease responsibility.
Who must insure and restore each improvement after damage?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Complete lease and landlord requirements
- Use of premises and business activities
- Contents and improvement values
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
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.