Insurance requirements from a commercial landlord
Commercial landlords require tenants to carry general liability insurance and to name the landlord as additional insured as a condition of the lease. Sellers with a warehouse, studio, or office will see this in the lease, typically at $1,000,000 per occurrence, proven with a Certificate of Insurance.
Get a free quoteWhat landlords typically require
Requirement
Typical ask
Coverage
General liability (property is often separate)
Limit
$1,000,000 per occurrence
Additional insured
The landlord and property manager
Timing
Before the lease starts and at each renewal
Proof
Certificate of Insurance
Applies to sellers with
- a warehouse or storage unit
- a studio or workshop
- an office or showroom
- shared or coworking commercial space
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Questions
FAQ.
Does my landlord require insurance?+
Commercial leases almost always require the tenant to carry general liability and name the landlord as additional insured. Check your lease for the required limits and provide a Certificate of Insurance.
Related
General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.