Commercial Tenant Insurance Requirements Checklist
Track the tenant’s lease insurance duties independently of maintenance vendor insurance. Keep property insurance evidence distinct from liability coverage.
Download the original TXT template
How to use it
- Use the signed lease and amendments as the requirements source.
- Identify landlord, manager and lender requirements separately, and send the tenant an accurate request.
- Review a renewal against the lease again if the tenant use, legal entity or premises has changed.
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COMMERCIAL TENANT INSURANCE CHECKLIST Tenant legal name: [Tenant entity] Premises / suite: [Address and suite] Lease reference / term: [Lease and dates] Landlord / manager entities: [Entity list] [ ] Liability evidence matches the lease requirements. [ ] Requested additional insured evidence is retained. [ ] Property evidence is obtained where the lease requires it. [ ] Waiver terms are reviewed against the lease and policy evidence. [ ] Tenant operations and premises description are accurate. [ ] Each policy renewal date is tracked separately. [ ] Lease amendments and use changes are reflected in the review. [ ] Exceptions are approved by the authorized lease / risk reviewer. Document references: [Files and dates] Unresolved requirements: [Open items] Next tenant follow-up: [Owner and deadline]
Example in practice
A restaurant tenant changes from a shop to an operation serving alcohol. The reviewer should revisit the lease and actual exposure rather than accept an unchanged renewal at face value.
ACORD 25 liability evidence and property insurance evidence serve different purposes. Use the documents and coverage scope the lease actually requires.