AIA - Jana Baker Agency
  • Commercial Insurance
  • Garage Liability
  • Auto Dealer Comprehensive Liability
  • Dealers Open Lot
  • Surety & Fidelity Bonds
  • Title Bonds
  • Master Dealer Bonds
  • Probate Bonds
  • Commercial Property
  • Lessor Risk
  • Builders Risk
  • House Flippers
  • Investor Portfolios
  • Homeowner & Condo Associations
  • Property Management
  • Emergency Vehicles
  • Commercial Auto Insurance
  • Commercial Insurance
  • Garage Liability
  • Auto Dealer Comprehensive Liability
  • Dealers Open Lot
  • Surety & Fidelity Bonds
  • Title Bonds
  • Master Dealer Bonds
  • Probate Bonds
  • Commercial Property
  • Lessor Risk
  • Builders Risk
  • House Flippers
  • Investor Portfolios
  • Homeowner & Condo Associations
  • Property Management
  • Emergency Vehicles
  • Commercial Auto Insurance
AIA - Jana Baker Agency

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​WHAT IS LESSOR'S RISK ONLY (LRO) INSURANCE?
For owners of leased commercial properties like apartment buildings, retail complexes or warehouses, lessor’s risk only insurance is a must-have when it comes to protecting your investment.
Commonly referred to as landlord or LRO insurance, lessor’s risk covers you in the event that one of your tenants sues you for property damage or injuries sustained while on your premises. It is often bundled into a comprehensive insurance package that includes general liability and commercial property insurance but is its own distinct form of coverage. Let’s talk in more detail.
What does lessor’s risk only insurance cover?
Perhaps a tenant slips and falls on a freshly frozen walkway, resulting in a broken arm, or a business fire leaves several of your retail units unusable. Lessor’s risk only coverage would pay for medical bills, space renovations and/or legal fees related to tenant-occupied spaces if they sued you.
Other common risks typically covered by lessor’s risk only policies include:
  • Weather damage.
  • Smoke damage.
  • Vandalism.
  • Theft.
  • Water-related damages (such as from burst pipes or sewer backups).
  • Automobile impacts on the property.
LRO insurance policies can also be tailored to cover risks specific to your business, such as damage from pollution or the loss of important data from computer systems, as well as for your specific property layout or space.
Lessor’s risk only insurance can be confusing for new property owners, but don’t let that deter you from securing this essential form of coverage. Jana Baker can help tailor a policy for your property that protects your investment.

Our Promise to You

Our agency makes sure our customers receive the best possible price, with full attention to the amount and type of coverage they are provided. We refuse to allow our customers to be insured with a second-rate insurance company that may not always provide the best in claims or service, or may tend to offer future rate increases that are unreasonable.

We are dedicated to providing our customers with insurance to meet every need using only the best rated companies along with our years of experience. This combination works very well for our customers and we appreciate each one.
Jana Baker, Agent
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Jana Baker, Agent
   Alabama Insurance Agency          
   2244 Center Point Parkway, Ste 201
   Birmingham, AL 35215
   205-829-1288

   jana@alinsagency.com
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