You own the building. Someone else runs the business inside it.

It is commercial property and liability coverage written for the owner of a building occupied by someone else’s business. The insured is the landlord, not the tenant. It covers the structure, the owner’s own contents and equipment, the rental income the building produces, and the liability an owner keeps for the condition of the premises.

No. A tenant’s policy covers the tenant’s property and the tenant’s liability. It does not rebuild your building and it does not replace your rent. A certificate naming you as additional insured extends a piece of the tenant’s liability coverage to you for claims arising from their operations — it is not property insurance on the structure you own.

It pays the rental income the building would have produced while it is unusable after a covered loss, for the period it reasonably takes to repair. The limit is set from your annual rents, and the coverage ends when the period of restoration ends — not when the tenant decides to come back. Setting that limit from a stale rent roll is the most common way owners end up short.

The standard commercial property form treats a vacant building differently once it passes the policy’s vacancy threshold: several perils are suspended outright and loss payments on the rest are reduced. Vacancy is measured against the building, not your intentions, so a departing tenant can start that clock without anyone filing anything. Tell us before it happens, not after.

That depends on what your lease actually says, and leases disagree with each other constantly. A triple net lease usually pushes property insurance, taxes and maintenance onto the tenant — but the owner still carries an insurable interest in the building and still faces claims a tenant’s policy will not answer. We read the insurance article before we quote.

When an older building is damaged, the repair has to meet current code, not the code it was built to. Ordinance or law responds to three things a basic property policy does not: the value of the undamaged portion you are forced to demolish, the cost of that demolition, and the increased cost of rebuilding to today’s standard. Older buildings are where this bites hardest.

Because a general liability policy responds to bodily injury and property damage, and a discrimination allegation is neither. Claims arise from leasing decisions, accessibility of the premises, and how an owner or a property manager handles an applicant. Defense costs alone are the exposure most owners are surprised by.

No. Residential and multifamily property is a different product with a different regulatory surface, and our sister brand Apartment Guard Insurance writes it. A mixed-use building with commercial ground-floor space and residential units above still belongs on this side — the residential component changes carrier appetite, and that is a conversation worth having before you are declined for the wrong reason.