If you are a renter, the lease for the space you are leasing may require
that you must maintain a certain amount of property coverage at all times.
Regardless of the fact that this is a prudent choice for risk management
in general for your company, your landlord may encourage or even require
you to carry a particular amount of insurance coverage to protect their property.
Suppose you are the owner of commercial property and you rent it out. In
that case, it is possible that forcing your tenants to have property coverage
will not be sufficient to adequately insure your property. Because your
tenants are selecting coverages based mostly on their own needs and not
yours, their property coverage may only cover a percentage of your property's
worth and may exclude certain sorts of risks. This is because your tenants
are setting coverages based primarily on their own needs (e.g., deliberate
damage to your property done by the tenant). In addition to any obligations
you may have for your renters and lessees, you need to make sure that
you have enough coverage on your own property.
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