Damage to Premises Rented to You
What Is Damage to Premises Rented to You in Insurance?
Damage to premises rented to you helps pay your landlord when your business causes damage to the space you rent. It’s also called fire legal liability insurance because, after seven days, this coverage typically applies only to fire damage.
This coverage is offered as a sublimit under your general liability policy.
Why It Matters for Beauty and Bodywork Professionals
Damage to premises rented is essential for beauty and bodywork pros because it unlocks your next business lease by making it less risky for property owners to rent out to you!
- Lease compliance: Many landlords require this limit on your proof of insurance
- Dedicated coverage: Get peace of mind that you’re protected in case of property damage
- Faster approvals: Stay ready for events or gigs with the correct limits and wording
- Industry risk: From hot tools to candles, there’s always a chance your services could accidentally cause a fire
What Does Damage to Rented Premises Cover (& Not Cover)?
Damage to rented premises coverage responds to broad property damage under seven days of rental. After that, it typically only covers fire damage at your rented space.
Swipe →
| The Area | Generally Covered* | Generally Not Covered / Separate Policy |
|---|---|---|
|
Landlord’s premises you rent damaged by fire caused by your business |
✅ |
❌ Your equipment, massage table, or beauty products (requires Tools & Supplies Coverage) |
|
Smoke and cleanup stemming from a covered fire |
✅ |
❌ Normal wear and tear or intentional acts |
|
Very short-term spaces (some policies cover more risks) |
⚠️ It depends
|
❌ Building parts you own |
Does It Cover My Equipment or Just the Landlord’s Space?
Damage to premises rented coverage only applies to the landlord’s building, specifically the space you rent for business. It doesn’t cover your movable business gear within (like your beauty tools or massage table), which falls under Tools & Supplies Coverage.
If you’ve made improvements to your business space, double-check with your agent if that’s covered under your policy.
What Are the Key Numbers to Look For in My Coverage Details?
Water and smoke damage is covered if they’re related to a fire unintentionally caused by your business. This includes:
- Smoke from a covered fire
- Sprinkler damage from a covered fire
- Fire damage caused by a client, if you’re liable
Related Terms
- Additional Insured
- Business Personal Property
- Coverage Details
- Fire Legal Liability
- General liability
- Inland Marine Coverage (Tools and Supplies)
