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Protect Your Property and Your Tenants With Landlord Insurance

From employee injuries to the loss of sensitive tenant information, landlords have to be prepared for the potential financial impact from a wide range of risks.

At biBERK, we provide tailored landlords’ commercial insurance (also known as landlord building insurance) at savings of up to 20%. Whether you need workers' compensation, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a landlord insurance policy, manage it, and report claims online for ultimate convenience.


Why do I Need Landlords’ Building Insurance for a Commercial Property?

Business insurance is important for landlords. Many hazards can impact your buildings and your tenants’ lives and property. A business owners policy (BOP) covers damages from many types of incidents, and other policies can address additional risks. Having the right amount of business insurance can provide financial protection should the unexpected occur.

Anyone in the Residential Rental and Commercial Rental Industries Needs Landlord Commercial Property Insurance, Including:

    • Apartment building owners
    • Apartment leasing consultants
    • Landlords
    • Leasing agents
    • Multi-family property managers
    • Property managers

What are the Different Types of Landlord's Commercial Insurance?

Any reputable insurance company should offer a range of choices to help you find the best landlord insurance policies. At biBERK, we offer five different types of commercial landlord insurance and residential landlord insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.    

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Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP), combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption resulting from a covered property damage claim. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Cyber insurance

This coverage can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Umbrella insurance

Every landlord building insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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What’s not Covered by Landlord Insurance?

While landlord insurance for commercial property owners and residential property owners covers many types of risks, there are certain things it may not cover, including:

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    Equipment maintenance and general wear and tear. For example, if the air conditioning unit at your property needs its annual maintenance, insurance typically will not cover that expense.  

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    Personal belongings of tenants. Your tenants’ personal possessions (clothing, electronics, etc.) generally are not covered by your landlord insurance policies. They’ll need to purchase their own renters insurance for that purpose. 

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    The property where you reside. Landlords’ commercial property insurance and residential property insurance is designed for non-owner-occupied properties. If you live in one part of a dwelling and rent out other sections of it, landlord insurance likely won’t provide coverage.

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Learn About Landlord Insurance Costs. Get a Landlord Insurance Quote Online.

Wondering about landlord insurance costs? Your insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get the best landlord insurance quotes for all the policies you need online.

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Additional Landlord Insurance Coverages

In some cases, additional coverages are available for landlord insurance policies. They may include protection in instances of rental property construction (coverage for a dwelling you are renovating) and required upgrades to meet building codes (if you're repairing a damaged building and building codes require you to update things like ventilation systems or wiring).

Why biBERK for Landlord's Commercial Property Insurance?

We’re the experts when it comes to landlord's commercial insurance.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Get a Quote Today

Getting the right commercial landlords’ insurance shouldn’t be difficult or stressful. See why biBERK is easier and more convenient for landlord insurance when you obtain your free quote online. We’re all about making it easier and simpler for you.