Landlord & Lessors-Risk Insurance in California
Building property, lessors-risk liability, and loss-of-rents coverage for owners who lease space to tenants — placed by a licensed California broker.
Commercial policies are quoted by a licensed agent — call or text with your business details, or request a quote online and we’ll follow up fast.
In short
Lessors-risk (often called LRO, lessors-risk-only) and landlord insurance protects an owner who leases a building or units to tenants rather than operating a business inside them. The exposure is specific: you don't control how the tenant uses the space, but you're still liable as the owner if someone is injured on the common areas, the structure, or the parking lot, and you still own a building that can burn, flood, or sit empty after a loss. The two pillars are property on the structure and lessors-risk liability for the owner's exposure, with loss-of-rents covering the income you lose if the building becomes untenantable. Auto World is a licensed California broker (CA DOI #6005606) that places these programs for commercial property owners statewide.
What commercial auto insurance covers
Building / commercial property
Covers the structure you own — roof, walls, common areas, parking, and owner-installed fixtures — against fire, water, storm, vandalism, and theft. The foundation of any landlord program.
Lessors-risk liability (LRO)
The owner's general liability for injuries and damage tied to the property you lease out — a tenant's customer hurt on a common stairway, a sidewalk fall, or a parking-lot injury — exposures you keep even though a tenant occupies the space.
Loss of rents / business income
Replaces the rental income you lose when a covered loss makes the building untenantable and tenants stop paying — often the difference between weathering a fire and defaulting on the mortgage.
Equipment breakdown
Covers owner-owned building systems — HVAC, elevators, boilers — that fail mechanically, which standard property may exclude.
Ordinance or law
Pays the extra cost to rebuild to current California building codes after a loss, which can be substantial on older commercial structures.
Certificates & additional-insured tracking
We help you require and verify tenant certificates naming you as additional insured, and issue your own COIs to lenders — the contract hygiene that keeps an LRO program clean.
Who needs it
Strip-mall & retail-center owners
Owners leasing storefronts to multiple tenants, with shared parking and common-area liability.
Office-building owners
Owners of single- or multi-tenant office space responsible for common areas, elevators, and the structure.
Warehouse & industrial property owners
Owners leasing flex, warehouse, or light-industrial space who carry the building and premises exposure.
Mixed-use building owners
Retail-below, residential- or office-above buildings that combine commercial and residential exposures.
Apartment & multifamily owners
Owners of residential rental buildings needing structure, liability, and loss-of-rents coverage.
Single-tenant net-lease owners
Owners of a building leased to one business who still need owner liability and property protection.
Get a commercial auto quote today
Tell us what you drive and what you haul — we shop multiple California commercial carriers and get you covered, often same day.
Why Auto World for commercial coverage
We structure true lessors-risk programs — owner liability and building property — not a tenant's business policy.
Loss-of-rents coverage so a fire doesn't stop your income while the building is rebuilt.
We help you require and track tenant additional-insured certificates so the owner's exposure stays low.
Multiple California commercial carriers compared, with ordinance-or-law for older structures.
Licensed California insurance broker, CA DOI #6005606, with Spanish-speaking agents.
Call or text (619) 363-4466 and a licensed agent scopes your property directly.
Frequently asked questions
My tenant carries their own insurance — why do I need lessors-risk coverage?▾
What does loss-of-rents coverage actually pay for?▾
How much does lessors-risk / landlord insurance cost in California?▾
Should I require certificates of insurance from my tenants?▾
Does this cover older buildings that aren't up to current code?▾
More commercial coverage
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A licensed California agent will compare commercial carriers and get you a quote. Call or text now — proof of insurance often the same day.