Commercial landlord insurance can help protect you from:
Property damage
Protects your rental property from covered events like fire, storms, and more — including accidental damage caused by tenants.**
Loss of Rental Income
Replaces lost rental income if your property becomes uninhabitable due to a covered claim, so your cash flow stays on track.
Liability & Legal Protection
Covers medical expenses and legal costs if a tenant or visitor is injured on your property and you’re found responsible.
Get Landlord insurance that’s fast, easy and affordable
ERGO NEXT specializes in small business insurance. Insurance for commercial and residential landlords can help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Skip the wait: Check prices, get covered, and buy a tailored policy 100% online in about 10 minutes.
- Manage 24/7: Access your policy anytime via web or our mobile app.
- Instant proof: Get unlimited certificates of insurance (COI) immediately after purchase at no extra cost.
- Cover what matters: Insure properties with a Total Insured Value (TIV) of up to $3M.
BOP Insurance (Business Owner’s Policy)
business owners policy can help you pay for:
Cyber liability insurance
cyber liability can help you pay for:
ERGO NEXT Insurance reviews
Affordable
I have new business, so my bottom line is very important. Next was able to provide the insurance I needed without breaking the bank! Thank you Next!
Kenneth B.
General Liability
Smooth easy process.
David C.
So Necessary for Business
Being in a 1st time needing insurance contractual business situation. Next made it easy for me to understand the whole process of being covered for business mishaps and to why I ne...
Grip M.
Manager
Excellent
Cassandra W.
Next was fast affordable and
Next was fast affordable and completely what I needed.
Antoniette D.
Efficient and easy to claim
I recently contacted Next to make a claim on my liability policy for a breakage to a clients window. It was a quick and easy process using an online chat system and I received paym...
Jason M.
Cost effective small business insurance
The cost and ease of use were factors in choosing NEXT. COI at your fingertips. Not the name you would look for, but they are now.
Michael R.
I liked your process
I liked your process
Chany R.
Business Insurance
Great customer service, great prices!
Constance F.
Just what we needed!
This liability insurance helps me sleep better.
Paul C.
How much does landlord insurance cost?
Premiums for landlord insurance may be more affordable than you think. The exact price you’ll pay for your business liability insurance cost depends on a number of factors, including:
- Your property’s value
- Type of tenants and vacancy rate
- Your business location.
- Your number of employees.
- Rental income
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.
How can landlord insurance help your business?
You may need landlord insurance to help your business:
- Meet lender or lease requirements: Mortgage lenders often require proof of insurance to protect the property and reduce financial risk.
- Protect your rental property: Property coverage helps protect the building you rent out from damage caused by covered events like fire, storms, or vandalism.
- Safeguard your rental income: If your property becomes uninhabitable due to a covered loss, coverage can replace lost rental income while repairs are made.
- Reduce liability risks: Liability coverage protects you if a tenant’s client or a visitor is injured in a common area and you’re held responsible.
Landlord insurance FAQ
If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help.
Is landlord insurance the same as Lessor’s Risk Only (LRO)?
Yes. While everyday property owners usually call it landlord insurance, insurance agents and brokers often refer to it as Lessor’s Risk Only (LRO) or lessor insurance. No matter which term you use, ERGO NEXT provides the tailored liability coverage you need to protect your building and rental income.
