Claim Center
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Call 877-242-2544 anytime, day or night, to report claims. You may also contact your independent agent to report a claim.
Plan & Protect
Reduce risks and enjoy peace of mind with these tips and insights to protect what matters most.
Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause.
When you understand the risks you face as a property owner and lessor, you can better manage them. Consider these scenarios:
A well-designed lease agreement can assist owners in transferring responsibility for payment due to bodily injury or property damage to the legally responsible party. Consult with legal counsel when evaluating your current lease or other formal contract.
When consulting with your attorney, consider whether your agreement:
Consult with legal counsel to familiarize yourself with state laws before you lease space to bars, restaurants or stores that sell liquor. While it is your duty to live up to your obligations as a property owner, it is also wise to make your tenants take responsibility for their actions and their premises’ upkeep.
Your local independent insurance agent is there to help you maneuver around the challenges you face as a property owner. Contact your agent whenever a new tenant moves into the building, a current tenant changes its operations or part of the building becomes vacant for 30 days.
This loss control information is advisory only. Not all exposures are in this article. Contact your local, independent agent for insurance coverage advice and loss control information. Neither The Cincinnati Insurance Company nor its affiliates or representatives offer legal advice. Consult with your attorney about your specific situation.
The selection of a particular service provider is the independent choice of the policyholder. Service providers are not affiliated with The Cincinnati Insurance Companies. Cincinnati and its employees make no warranties and assume no liability for services, products or loss control measures provided by service providers.