Insurance Clauses That Could Blindside You—Read This First

Insurance is one of the most misunderstood sections in a lease. Many tenants just

forward it to their broker or insurance agent and never read it. But buried in there could

be cost, liability, and compliance risks.

I worked with a tenant whose lease required $5 million in umbrella coverage—double

their standard policy. It would’ve cost them $9,000 more per year if we hadn’t

renegotiated the clause.

What to Watch For:

Insurance limits that exceed industry norms

Waivers of subrogation and indemnification

Requirements to name landlord and lender as “additional insureds”

At CIG, we collaborate with your risk advisor to ensure the lease terms align with your

real exposure. Because surprise premiums are the worst kind of profit killer.