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Lessors Risk Insurance
Commercial property owner and landlord insurance for Oregon commercial real estate investors
Lessors Risk Insurance
Commercial property owner and landlord insurance for Oregon commercial real estate investors
Or Get A Free QuoteOregon Lessors Risk Insurance Specialists
Lessors Risk Only (LRO) insurance is designed for commercial property owners who lease their buildings to tenants. Whether you own a strip mall in Salem, a commercial building in Coos Bay, or a mixed-use property in Eugene, lessors risk insurance protects your investment against property damage, liability claims, and loss of rental income. Gerald Ross Agency specializes in lessors risk coverage for Oregon commercial landlords.
Why Choose Gerald Ross Agency?
- Independent agency — we work for you
- Explore coverage options for your needs
- Local Oregon Coast insurance guidance
- Serving Oregon Coast since 1937
- Help comparing coverage and policy terms
- Personalized service and claims advocacy
What's Covered
Building Coverage
Covers your commercial building against fire, wind, vandalism, and other covered perils at replacement cost.
Premises Liability
Covers bodily injury and property damage claims arising from conditions on your commercial property.
Loss of Rental Income
Covers lost rental income if your building becomes uninhabitable due to a covered loss.
Flood Coverage
Separate flood insurance for commercial properties in Oregon flood zones.
Earthquake Coverage
Earthquake insurance for Oregon commercial properties facing Cascadia Subduction Zone risk.
Crime Coverage
Protection against theft, vandalism, and other crime exposures at your commercial property.
Equipment Breakdown
Coverage for building systems including HVAC, elevators, and electrical equipment.
Ordinance & Law
Covers the additional cost to bring your building up to current codes after a covered loss.
How Lessors Risk Insurance Works
Property and Tenant Review
We assess your commercial building, tenant types, lease terms, and location to determine the right lessors risk structure — including whether a standard LRO policy or a commercial package policy is the better fit.
Coverage Design for Landlords
We build your policy to cover the building at replacement cost, your premises liability as a landlord, and your rental income — so a covered loss doesn't leave you paying the mortgage while your building is being repaired.
Coastal and Seismic Exposure
For Oregon Coast commercial properties, we ensure your program includes flood and earthquake coverage — critical exposures that standard commercial property policies exclude.
Portfolio Management
If you own multiple commercial properties, we can structure a portfolio program with multi-location discounts and streamlined policy management across all your Oregon real estate investments.
Frequently Asked Questions
Common questions about this coverage in Oregon.
What is the difference between lessors risk and commercial property insurance?
Do I need lessors risk insurance if my tenants have their own insurance?
Can I get lessors risk insurance for a mixed-use property?
Still have questions? Contact our team for help.
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