Property and Liability Insurance in Commercial Leases: Key Provisions and Coverage Issues

Additional Insured and Loss Payee Clauses; Interplay With Indemnity Provisions

Recording of a 90-minute premium CLE webinar with Q&A

Conducted on Wednesday, December 6, 2017

Recorded event now available

or call 1-800-926-7926
Course Materials

This CLE course will address casualty and liability insurance issues applicable to real estate leasing from the perspective of both landlord and tenant. The program will discuss the necessary coverage and recommend contract provisions to require insurance coverage and receive the maximum benefit of the coverage. The program will also address key coverage issues such as exclusions, proof of coverage, additional insured and loss payee parties, and primary/excess coverage.


One of the more complex areas of commercial leasing involves provisions on insurance and how they relate to indemnities for third-party and first-party claims. Businesses can address these risk allocation issues with liability and property coverage, but counsel must ensure indemnity provisions that do not impede insurance coverage.

Counsel must identify the potential, relevant casualty loss exposures and the scope of the applicable insurance policy(ies) when drafting insurance requirements to apply to each party.

A key issue in liability coverage is the ability to access the other party’s coverage in the face of a contractual liability exclusion and other policy limits. The parties should obtain additional insured status to confirm insurance coverage of contractual indemnification under the lease.

Listen as our panel of real estate attorneys looks at casualty and liability insurance issues critical to landlords and tenants negotiating a real estate lease. The panel will discuss key coverage and contract provisions to require insurance coverage and maximize benefits of coverage. The program will also discuss other coverage issues relevant to commercial leases, including exclusions, proof of coverage, additional insured and loss payee parties, and primary/excess coverage.



  1. Intro—nuts and bolts—common terms
  2. Interrelation between property and liability coverage
  3. Casualty insurance
  4. Commercial general liability insurance
  5. Certificates of insurance
  6. Matching indemnity and casualty restoration obligations with insurance


The panel will review these and other key issues:

  • What are the relevant considerations for parties assessing appropriate protection under a casualty policy?
  • What are best practices for drafting risk allocation and insurance provisions?
  • How can counsel ensure that contractually required AI coverage is satisfied by the named insured’s policy?


Drake-Patelson, Susan
Susan Drake-Patelson, CPCU, RPLU, ASLI

Area Executive Vice President
Arthur J. Gallagher & Co.

Ms. Drake-Patelson's specialities are General Liability, Workers Compensation, Umbrella/Excess and Enviromental.

 |  Read More
Molotsky, Brad
Brad A. Molotsky

Duane Morris

Mr. Molotsky’s primary practice is focused in the areas of commercial leasing, acquisitions and divestitures,...  |  Read More

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