Business Insurance for Commercial Landlords

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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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One application, multiple quotes

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 icon

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
Commercial auto insurance icon

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 liability insurance icon

Cyber liability 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 icon

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
Looking for different coverage? See more policies.

How much does business insurance cost for real estate professionals?

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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
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
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Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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