Know what your lease requires from your insurance before you sign.
Leases set insurance terms that outlast the negotiation, from liability limits to property cover on your improvements. Send the lease and the policies you hold today, and we cite every requirement to its clause and check it against your policy wording. Free, reviewed by a person and back within one business day.
What you get
- Every insurance requirement in the lease, cited to its section or exhibit
- Liability limits, additional insured and primary wording checked for the landlord and any lender or manager named
- Property cover checked for your improvements, equipment and business income where the lease requires it
- Mutual waiver of subrogation terms checked against both liability and property policies
- Notice of cancellation and deductible clauses insurers rarely accept, flagged before you sign
- Plain questions to take to your broker or the landlord, saved to your workspace with the lease
How it works
- 01
Send the lease
Upload the lease or its insurance section with your declarations pages. Tell us when you need to sign.
- 02
Every clause is read
Software extracts each insurance requirement with its citation and compares it with your policies.
- 03
A person reviews
A qualified reviewer checks each landlord requirement and property term before release.
- 04
You get a cited report
Each requirement, its status, the evidence and the next step, ready for your broker.
What to send
- The lease, or its insurance section and any exhibit
- Declarations pages for liability, property and umbrella policies
- Forms and endorsements schedules for those policies
- The landlord’s certificate request, if you have one
- The date you need to sign
What you receive and when
Our standard is a cited report within one business day of receiving complete documents. If anything is missing, a person tells you within one business hour what we still need. Both standards apply 8 am to 6 pm Pacific, Monday to Friday.
Get a free lease checkQuestions, answered
What insurance does a commercial lease usually require?
Most leases require general liability with the landlord as additional insured, property insurance on your improvements and contents, and often business income, umbrella and workers’ comp. Many add a mutual waiver of subrogation. Each lease sets its own limits and wording, so the clause itself is what we check.
Is the lease check really free?
Yes. There is no card, no subscription and no obligation, and you keep your broker. We read the lease against your policies and report what we find. If you later want SF Coverage to close a gap or handle your insurance, that is a separate conversation.
Who insures the tenant improvements?
The lease decides. Some leases make the tenant insure improvements it pays for, others make the landlord insure the whole building. The answer changes which property policy must respond after a loss, so we cite the clause and check your property policy against it.
Should I check the lease before or after signing?
Before, whenever you can. Once the lease is signed, a requirement your policy cannot meet becomes a compliance problem you must fix at your cost. Checking first lets you ask the landlord to adjust a term or price the change before you commit.
Is this legal advice?
No. The check compares the insurance terms in the lease with the wording of your policies and reports what it finds. It is general information. Questions about indemnity, liability caps or negotiating the lease belong with your lawyer.
What happens to my documents?
They are confidential. They are used only to complete your check, never sold and never used to train AI models. Access is limited to the people working on your request, and you can ask us to delete them at any time.
Check the lease before you sign it.
Send the lease with your liability and property declarations. Within one business day you get every requirement cited to its section and checked against your policies.