Tenant Improvements & Betterments
When you renovate or build out a leased space—new flooring, walls, lighting, cabinetry, a buildout kitchen, or custom fixtures—those tenant improvements and betterments become your insurable interest, even though they're attached to a building you don't own. A common and costly mistake is assuming the landlord's policy covers them. It usually doesn't. Tenant improvements coverage, part of your business personal property program, protects that investment against covered losses.
What's Covered
- Covers buildouts and renovations to leased space
- Flooring, walls, lighting, and custom fixtures
- Cabinetry, counters, and buildout kitchens
- Protects your investment a landlord policy won't
- Replacement cost valuation available
- Coordinates with your BPP and lease requirements
- Covered perils: fire, water, vandalism, and more
- Limits set to your documented improvement cost
Common Scenarios
- →A fire destroys a custom buildout in a leased space
- →Water damage ruins new flooring and fixtures
- →The landlord's policy denies a tenant-improvement claim
- →Vandalism damages a renovated storefront interior
Typical Limits
Scheduled to your documented improvement and betterment cost
Get a Quote for Tenant Improvements
Our specialists will value your property and structure coverage that fits—comparing multiple carriers within one business day.
Request Free QuoteOther Coverages
Business Personal Property
The core coverage for everything your business owns inside its walls—furniture, equipment, inventory, electronics, and fixtures.
Commercial Property
Broader property protection covering both your building (if you own it) and your business personal property inside it.
Business Equipment
Protect the tools, machinery, and equipment your business depends on—at your location, off-site, or in transit.