Property owner resource
Rental & Commercial Property Insurance Checklist
A practical review guide for landlords, mixed-use owners, retail centers, property managers, and investors who want fewer surprises at renewal, refinance, or tenant changeover.
RentalsMixed-useRetail centersVacant unitsLiabilityLoss of rents
Get the checklist
Daniel can also take a second look at a renewal or property situation.
Property basics
- Confirm the insured entity matches the deed, lease, or operating LLC.
- Review replacement cost assumptions against current labor and material costs.
- Check whether every building, unit, sign, garage, and detached structure is listed.
Tenants and leases
- Collect current certificates of insurance from commercial tenants.
- Check lease requirements for liability limits, additional insured wording, and waivers.
- Flag tenant changes, short-term vacancy, or a unit moving from residential to commercial use.
Income and interruption
- Review loss of rents or business income coverage before renewal.
- Confirm waiting periods, restoration periods, and ordinary payroll assumptions.
- Check whether tenant improvements and betterments are handled clearly.
Liability pressure points
- Review premises liability limits for parking lots, sidewalks, stairways, and shared areas.
- Consider umbrella or excess liability if the property has public traffic or multiple tenants.
- Look at contracts with landscapers, snow removal vendors, and maintenance teams.
Renewal triggers
- Ask for a review before renewal, purchase, refinance, vacancy, renovation, or tenant turnover.
- Compare carrier appetite if premiums jumped or exclusions changed.
- Keep lender insurance requirements visible before closing or refinancing.
Second opinion
Have a renewal, vacancy, purchase, or tenant change coming up?
The Risk Wrangler Insurance works across personal and commercial lines with access to 70+ carriers in NY, TN, TX, VA, SC, FL.