What is Business Owners Insurance?

Lessors Risk Insurance

Stip Mall

What is Lessors risk insurance?

Mercury business owners proudly offers insurance protection specifically designed to address complex exposures faced by commercial property owners of shopping/strip centers, warehouses, offices, etc. Providing essential coverages for property, business income, and ordinance or law are just a few reasons why Mercury is one of the leading commercial carriers in California.


Blanket Coverage or 125% Extended Replacement Cost – Combines all building estimated replacement costs into one limit or increases a single building to 125% of the estimated replacement cost.

Building –
Coverage for damage to buildings and structures at the described premises. This includes personal property owned by the Insured used to maintain the building(s).

Business Income –
Covers loss of business income up to 12 months, (optional 18 or 24 months) Actual Loss Sustained, in the event of a loss; option for time period extension available.

Ordinance or Law Coverage 1 – Coverage is included for loss to the undamaged portion of the building up to the building limit.

Ordinance or Law Coverage 2 & 3 –
Coverage for the demolition cost and increased cost of construction is included at $100,000 combined limit with option to increase.

Water Back-Up and Sump Overflow –
Covers damage caused by water that backs up into the property through pipes, drains, sewer, water-service and sump pump.