Lessor's risk and habitational insurance for landlords.

Premium depends on building value, occupancy mix, square footage, construction type, protection class, prior loss history, and the state. A wood-frame multi-family building in a high-CAT zone underwrites very differently than a steel-frame office in a suburban office park. Final cost is subject to underwriting and policy terms.

Lessor's risk only is a property and GL placement for buildings owned by a landlord and leased to commercial tenants where the landlord has no operating role. It covers the building, common areas, and the landlord's liability — not the tenant's contents or operations. Schedules of multiple locations are common, and limits should be sized per-location and on a blanket basis.

Yes if there's known asbestos, lead paint, prior tenant industrial use, an underground storage tank, or any documented site condition. The pollution exclusion on a standard property/GL policy will deny related claims. Pollution legal liability covers cleanup, third-party bodily injury, and defense costs from environmental conditions on the schedule of locations. Coverage availability depends on Phase I/II environmental survey results.

A typical lessor's risk program includes LRO Property + GL, standalone Property where applicable, Umbrella, EPLI for property managers, Equipment Breakdown for HVAC and elevators, and Pollution Legal Liability for older or higher-risk buildings. Coverage is subject to underwriting and the carriers writing real estate in your state.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone — useful when a lender or tenant needs proof of coverage at closing. Custom holder language (mortgagee, additional insured, waiver of subrogation) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.

Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.