Insurance in a lease is not typically a negotiable point (though the amount of coverage may be).
Commercial insurance requirements vary widely, lease to lease and even deal to deal.This can include workman's comp, general liability and even business interruption insurance. Knowing the right level of coverage for your lease is essential to both meeting requirements (not being in default) and saving serious money.
A professional business insurer who handles commercial leases will understand the exact coverages you need (and may not need) to both satisfy the minimum requirements and ensure a successful occupancy based upon your use of the space.
Usually, you'll need at least $1 million in general liability insurance with the landlord as named insured. Have this ready to roll at lease signing.
This is another area where you'll want to hire a pro to make sure you get the right insurance for your business and your lease.
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