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. Check your actual lease language rather than assuming the standard sublimit is enough.
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