What is damage to premises rented to you?

Damage to Premises Rented to You is coverage included in general liability policies that protects you if you’re held liable for fire damage to the property you lease for your restaurant.

What you need to know

If a fire starts in your kitchen and damages your landlord’s building, this coverage pays for those repairs. Standard coverage is typically limited to $50,000-$100,000 per occurrence, lower than your overall liability limits.

Why it matters for restaurant owners

Kitchen fires are common and can cause extensive damage to the building you rent. Without this coverage, you’d personally owe your landlord for repairs potentially costing hundreds of thousands.

While it’s included in CGL policies, the sublimit may be too low—if your lease requires higher coverage for fire damage, you’ll need to increase this limit or purchase separate fire legal liability coverage.