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Damages to Premises Rented to You

What Is Damages to Premises Rented to You?

Damages to Premises Rented to You is a type of liability coverage included in your general liability policy. This provides limited property damage coverage for the space you are renting, like a commercial kitchen or stall. 

Damages to Premises Rented to You coverage only applies to third-person claims caused by the insured, so it won’t cover the policyholder’s personal or business-related property. It also won’t cover natural disasters like flooding or earthquakes.

Damages to Premises definition.

What Does Damages to Premises Rented to You Cover?

Damages to Premises Rented to You can cover up to $300,000 in losses. The types of damages covered depend on how long you occupy the rented space.

When renting for seven days or less, Damages to Premises Rented to You covers any eligible liability claims associated with the property.

If you’re renting for more than seven days, the policy will only cover damages from fire.

Regardless of how long you are renting, Food Liability Insurance Program (FLIP) cannot exceed the $300,000 limit.

Who Needs Damages to Premises Rented to You Coverage?

If you rent a space to operate your business, you need Damages to Premises Rented to You coverage.

These rented properties can include:

  • Trailer space at fairs and festivals
  • A table at a convention or expo
  • A commercial kitchen
  • An event hall

Who Does Damages to Premises Rented to You Protect?

Damages to Premises Rented to You coverage protects the individual or business that owns the property you’re renting.

In the event of an accident caused by your business operations, your insurance would cover some or all of the cost to repair or replace the damaged property.

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