Retail & Shopping Center Insurance
Property, LRO liability, and loss of rents for strip centers, anchored retail, and mixed-use.
Who Needs It
- Shopping center owners and REITs
- Single-tenant net-lease investors
- Mixed-use developers
What It Covers
- Property with wind/hail and named-storm terms
- Lessor's risk only liability
- Loss of rents
- Parking-lot and common-area liability
- Umbrella for lender requirements
What It Does Not Cover
- Tenant improvements owned by tenants
- Tenant operations
- Slip-and-fall where common-area maintenance is contractually shifted but the tenant is uninsured
Texas Notes
Texas centers carry percentage wind/hail deductibles; anchor tenant leases often dictate limits and waiver language.
Florida Notes
Coastal Florida retail faces limited wind capacity; parking-lot liability is frequent.
Retail & Shopping Center Insurance Questions We Hear Most
Do I need coverage if leases are triple-net?
Yes. NNN shifts cost, not liability. You still need property and LRO in your own name; the lease requires tenants to insure their own exposure and name you as AI.
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