Whether your business insurance covers damage to rented or leased property depends on the policy's specifics.

• Tenant's insurance: If you're leasing or renting, you should have a tenant's insurance policy. Landlords often require this.
• Property owner's insurance: The property owner should also have their insurance.
• Coverage specifics: Your policy might cover improvements you've made to the rented/leased space but typically won't cover the building structure itself.
• Lease agreement: Your lease agreement should outline responsibilities for insurance coverage.
• Liability: If you cause damage to the rented/leased property, your liability insurance might cover it.

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