Lessors Risk & Building Owners
Owning the building is one risk. Renting it out is another. We place lessors risk programs that protect the property, your liability as the owner, and the income the building was supposed to generate.
If you own a building and rent it to tenants, your insurance needs are different from a building you occupy yourself. A standard property policy may exclude lessor liability, ignore loss of rents when a tenant has to vacate, or leave you exposed when an injury happens in a common area or to someone visiting your tenant. The lease shifts some risk to the tenant — but never all of it.
Domham Insurance Group structures lessors risk programs around the building, the tenants, and how the lease actually works. We coordinate property, liability, loss of rents, ordinance & law, and the specialty coverages owners need — from a single retail strip to a mixed-use portfolio — to keep the building covered and the rent rolling.
Protection tuned to your operation
A starting point — we tailor every program to how your business actually runs.
Building Property
Replacement cost on the structure, with the endorsements that matter when codes change after a loss.
Lessor Liability
Owner-side liability for injury or damage tied to the premises — common-area slips, leaks, and structural exposure.
Loss of Rents
Continued income when a covered loss makes the space untenantable for your tenants.
Ordinance & Law
Cost to bring the building up to current code during repair — often a major gap on basic policies.
Equipment Breakdown
HVAC, boilers, elevators, and electrical systems that fail and shut tenants down.
Sign & Awning Coverage
Exterior signage and awnings, often excluded from standard property forms.
Water Damage & Backup
Sewer backup and water-related losses, a frequent claim in older commercial structures.
Umbrella / Excess
Higher limits to satisfy lender and lease requirements.
Built for businesses like yours
Don’t see your exact operation? Ask us — chances are we can place it.
Let's cover your lessors risk & building owners risk.
Tell us about your operation and current coverage. We'll identify the gaps, place your program with the right carriers, and turn certificates around fast — at no obligation.