Lessor’s risk only (LRO) insurance
If you own a commercial building and lease it to tenants, a lessor’s risk only (LRO) policy is designed for you. It focuses on the building and your liability as the owner, while your tenants carry their own coverage.
What it can cover
- The building you own and lease out
- Your liability as the property owner, depending on the policy
- Loss of rental income after a covered loss, depending on the policy
- Help reviewing tenant lease insurance requirements
Coverage, limits and options vary by policy and insurance company. We’ll walk you through exactly what your policy includes.
Who it’s for
- Owners of retail strips, office buildings and warehouses
- Investors with single-tenant or multi-tenant commercial property
Talk to a licensed agent
Call now or request a quote online. We serve Rockwall & Heath and clients across Texas and Oklahoma.
Common questions
What should my tenants carry?
Most leases require tenants to carry their own liability and property coverage and to name you as additional insured. We can help you review the requirements in your leases.
Related coverage
General Liability Insurance
Protection when a customer, vendor or member of the public says your business caused injury or damage.
Learn moreBusiness Owner's Policy (BOP)
Property and liability packaged together for many small and mid-sized businesses.
Learn moreWorkers' Compensation Insurance
Coverage for employee injuries on the job, including medical costs and lost wages.
Learn moreReady to compare your options?
Request a free quote online or call us. We’ll do the shopping.