Owners, Landlords and Tenants Liability

Owners, Landlords and Tenants (OL&T) Liability coverage fills in the gap when a standard CGL policy limits liability arises from the ownership, occupancy, operation and the maintenance of premises. If your client is the owner of a building used for commercial purposes (e.g. retail or office space, warehouse, etc.) then they could be held liable if guests are hurt or sustains property damage while on the premises. OL&T insurance will cover your client if any of these situations occur. Without a policy, or without adequate coverage limits, your client could be left owing large sums of money that could have otherwise been avoided.

With access to all top specialty markets and carriers and a broad binding authority, JenCap’s nationwide stable of companies will help you provide your clients with an OL&T policy that mitigates financial risks when a loss is incurred. Our companies also provide customized packages to ensure your clients are properly covered.

We offer this coverage for the following industries and classes:

Real Estate

  • Apartments
  • Co-ops and Condominiums
  • Senior Housing
  • Student Housing
  • Shopping Centers
  • Office Buildings
  • Mercantile Buildings
  • Warehouse and Industrial Buildings

Manufacturing

  • Automotive Equipment/Parts
  • Consumer Products of All Types (Including Toys)
  • Food Processing & Distribution
  • Heavy Machinery, Equipment & Tools
  • Invasive & Non-Invasive Medical Products
  • Pharmaceuticals (Including Clinical Trials)
  • Recreational & Safety Equipment
  • Sporting Goods
  • Valves & Boilers
  • Vitamin & Nutritional Supplements

Construction & Contractors

  • Automotive Equipment/Parts
  • Consumer Products of All Types (Including Toys)
  • Food Processing & Distribution
  • Heavy Machinery, Equipment & Tools
  • Invasive & Non-Invasive Medical Products
  • Pharmaceuticals (Including Clinical Trials)
  • Recreational & Safety Equipment
  • Sporting Goods
  • Valves & Boilers
  • Vitamin & Nutritional Supplements

Public Entities

  • Community Based Organizations
  • Counties
  • Dam Operations
  • Higher Education Institutions
  • Joint Power Authorities or Similar Pooling Arrangements
  • Municipalities
  • Religious Organizations
  • School Districts
  • Special Districts
  • Transit Districts (Including Light Rail Exposures)
  • Utilities
  • Recycling Facilities

Construction & Contractors

  • Automotive Equipment/Parts
  • Consumer Products of All Types (Including Toys)
  • Food Processing & Distribution
  • Heavy Machinery, Equipment & Tools
  • Invasive & Non-Invasive Medical Products
  • Pharmaceuticals (Including Clinical Trials)
  • Recreational & Safety Equipment
  • Sporting Goods
  • Valves & Boilers
  • Vitamin & Nutritional Supplements

This product offers the following features:

Coverage Highlights

  • Liability limits up to $1MM/$2MM
  • Excess general liability or umbrella available up to $5MM

Custom Features

  • Excess coverage available

Thrift Store, Shelter, and Transitional Housing

  • Located in Washington
  • Package & Umbrella
  • Premium of $91,000

Credit Monitoring Firm

  • Located in New York
  • Technology & Cyber Liability
  • Premium of $23,571

General Contractor

  • Located in New Jersey
  • General Liability
  • Premium of $59,908

Beverage Manufacturer

  • Located in Georgia
  • General Liability
  • Premium of $33,571

Tract Home Builder

  • Located in Pennsylvania
  • General Liability
  • Premium of $13,708

Boys & Girls Club

  • Located in California
  • Package & Umbrella
  • Premium of $38,438

This product is available in available in: