Common questions about Property owners
Answering the most frequently asked questions about Property owners.
Does a cannabis tenant change my property coverage?Gravity Certs2026-08-17T23:35:04-04:00
Substantially. Many standard carriers decline the risk entirely once a licensed tenant occupies the building.
What if my tenant loses their license?Gravity Certs2026-08-17T23:35:04-04:00
Generally not an insured loss. Lease terms rather than insurance govern that risk.
Is rental income protected?Gravity Certs2026-08-17T23:35:03-04:00
Business interruption covers lost rent if the building becomes untenantable after a covered loss.
Do I need different coverage as a landlord rather than an operator?Gravity Certs2026-08-17T23:35:02-04:00
Yes. Lessor’s risk is the correct form. Operator policies cover activities you don’t perform.
Am I liable for my tenant’s operations?Gravity Certs2026-08-17T23:35:02-04:00
Potentially, as property owner. Requiring tenant coverage with you as additional insured is essential.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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