Business Tenant Insurance
If you lease office, retail or industrial space, your landlord’s insurance covers the building, not your business. Your lease probably requires you to carry your own property and liability coverage. Pacific Southwest Insurance Services helps business tenants meet lease requirements and protect their equipment, improvements and income.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our business tenant clients include:
- Office tenants
- Retail and restaurant tenants
- Industrial and warehouse tenants
- Medical and professional office tenants
- Shared and coworking space users
- Home-based businesses
Coverage Options
- Business personal property: Covers furniture, computers, equipment and inventory.
- Tenant improvements and betterments: Covers the build-out you paid for.
- Business income: Replaces lost income if a covered loss closes your space.
- General liability: Covers customer injuries and meets lease requirements.
- Legal liability to the building: Covers damage you cause to the landlord’s building, like a fire that starts in your space.
- Business owners policy (BOP): Packages property and liability for small businesses at a lower cost.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Type of business
- Value of equipment and inventory
- Tenant improvement costs
- Lease requirements
- Building type and fire protection
- Location
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
What insurance does my lease require?
Most leases require general liability, property for your contents, and naming the landlord as additional insured. Send us your lease and we’ll review it.
If the building burns, who pays for my build-out?
It depends on your lease. Often the tenant is responsible for improvements they paid for.
What’s a BOP?
A business owners policy combines property and liability coverage in one package for small businesses.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Business Tenant Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.