Modern commercial retail strip mall with tenant storefronts

Lessors Risk Insurance

Comprehensive protection for landlords and property owners. From tenant injuries to storm damage, we cover the unique risks of renting property in Florida.

Get Your Free Lessors Risk Quote 1-800-252-6885

Coverage Types for Lessors Risk

Build a comprehensive insurance package that protects your rental property investment.

Building Coverage

Covers damage to your rental building from fire, storms, lightning, vandalism, and other covered perils.

Liability Coverage

Protects against third-party injury and property damage claims occurring on your premises.

Loss of Rental Income

Covers lost rental income while your property is being repaired after a covered loss.

Tenant Legal Defense

Covers legal costs if you need to evict a tenant or defend against tenant lawsuits.

Equipment Breakdown

Covers HVAC systems, elevators, and other building systems that break down.

ordinance or Law Coverage

Costs to upgrade to current building codes when repairing damage after a covered loss.

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Common Lessors Risk Owner Risks

Understanding these risks helps you choose the right coverage.

Fire damage from tenant cooking accidents or electrical issues

Hurricane and storm damage common to North Florida

Water damage from burst pipes or leaking roofs

Tenant slip and fall injuries in common areas

Elevator or escalator accidents in multi-story buildings

Roof collapse from age or storm damage

Vandalism and theft by tenants or intruders

Loss of rental income during repairs after damage

Why Choose Greene & Associates?

Tenant Liability Gaps

Protect your property when tenant insurance lapses or proves inadequate with comprehensive lessors risk coverage.

Multi-Property Discounts

Portfolio pricing for landlords with multiple buildings — the more you insure, the more you save.

Loss of Rents

Keep income flowing when tenants can't occupy after fire or damage with rental income replacement coverage.

Lessors Risk Insurance Throughout Florida

Protect your investment properties with lessors risk coverage. We insure Florida property owners statewide.

Jacksonville & Northeast FL

Commercial buildings leased to tenants, investment properties, Riverside rental portfolios. Jacksonville property owners need lessors risk coverage for tenant-occupied buildings.

Jacksonville Insurance

Orlando & Central FL

Vacation rental properties, commercial lease buildings, investment real estate. Orlando lessors risk insurance protects your building while tenants occupy it.

Orlando Insurance

Tampa & Gulf Coast

Ybor commercial leases, waterfront rental properties, multi-tenant buildings. Tampa property investors need coverage that protects the structure, not just the tenant stuff.

Tampa Insurance

Miami & South FL

Brickell office leases, South Beach retail spaces, luxury rental properties. South Florida lessors risk is essential for high-value commercial real estate.

Miami Insurance

Gainesville & North Central FL

Student housing investments, UF-area rental properties, commercial tenant buildings. Gainesville property owners use lessors risk to protect their investment.

Gainesville Insurance

Tallahassee & Panhandle

Capitol-area office leases, government tenant buildings, FSU-adjacent properties. Panhandle lessors risk covers the building while tenants run their business.

Tallahassee Insurance

Based in Lake City, serving property investors statewide.

Frequently Asked Questions

Lessors risk (also called Landlord Liability Insurance) is specifically for property owners who rent to others. It typically includes building coverage, liability protection, and loss of rental income. It's designed for single properties or small portfolios of rental properties.

Building coverage protects against fire, storms, and other perils that damage the structure. However, normal wear and tear or damage caused by tenants beyond the security deposit may not be covered. Consider requiring tenants to carry renters insurance for their personal property and liability.

Coverage amounts should match your property's replacement cost, not its market value. Liability limits typically start at $500,000 but may need to be higher depending on your property type and number of units. We can help you determine appropriate coverage levels.

Yes, you can typically cover multiple rental properties under a landlord policy or a portfolio policy. This often provides a discount. Contact us to discuss bundling your rental properties.