In this article, you'll learn:

• Tenant liability policies cover damage to the building.
• Leases often require commercial general liability (CGL) insurance.
• Ensure your insurance is comprehensive and includes your landlord.
• Waivers of subrogation limit liability exposure to the landlord's insurer.

No matter how many expenses your landlord takes care of for you under your lease, or bundles into your common area maintenance charges, at least one additional item is unavoidable. A tenant liability policy is a fundamental part of your business liability insurance and serves to protect both you and your landlord, especially if your lease transfers liability to you.