Landlord Insurance Quote

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Protect Your Property Rental Business From Unexpected Claims with biBerk’s Landlord Insurance Policies

Our sole mission is to give small business owners like you top-tier, yet cost-effective, landlord insurance options. We sell our business owners insurance policies directly to you, online or over the phone. Your choice. Either way, you’ll save up to 20% compared to other companies. There are no middlemen or unnecessary fees, just an insurance policy and an insurance company here to make sure your small property rental business is covered. Take a look at our landlord and business owner insurance policies. And we’re always eager to answer any questions you might have.

What is Business Owners Insurance?

This type of coverage, also called business owners insurance or a business owners policy (BOP), is a simplified approach to commercial insurance for small businesses. By combining general liability insurance and commercial property insurance, along with other coverages, you could benefit in several ways:

Your Coverage Is Broader

A single policy protects against many different potential landlord insurance claims.

Managing Your Policy is a Breeze

Submitting claims is simpler because more concerns fall under this one policy.

You Could Save Money

Business Owners insurance purchased together usually costs less than the total cost of individual policies.

What Does Landlord Business Owners Insurance Include?

Landlord General Liability Insurance Typically Covers:

Property Damage. When customer property is damaged by an employee or by a tenant, your coverage may help pay for repairs or replacement.
Bodily Injury. If someone other than an employee is injured on your property, this coverage can help with medical expenses plus legal expenses and damages.
Product Liability. If products developed or sold by your business harm people or property, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.
Libel, Slander, and Copyright. This coverage helps protect you against some lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.

Property Insurance Typically Covers:

Your Building or Leased Space. This coverage protects the building you own or even a building where you are required to provide insurance coverage as part of the lease.
The Contents of Your Building. Property insurance can cover inventory, equipment, or tools and other people’s property in your building that has been damaged by an employee, yourself, theft, natural disaster, or weather.
Income From Your Business. If products developed or sold by your business harm people or property, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

Why Might You Need a Landlord Insurance Quote?

If you own a property that you rent out for commercial gain or have a portfolio of properties for the same, then you’ll require comprehensive landlord insurance to ensure that you’re covered for every eventuality. Many landlords rent to tenants without any problems at all, but that doesn’t mean you should throw caution to the wind and forget about insurance policies to protect you as a landlord.

Landlord Insurance Delivers Financial Protection and Peace of Mind

You must have the right level of coverage for you, to make sure you’re properly insured in the event of any problems that might occur with the property or with troublesome tenants. In the event any issues arise, you’ll feel safe and secure in the knowledge that you’ve done everything you can to make sure you and your property are thoroughly protected. There’s no better feeling than peace of mind, and we build that in as standard with all our policies.

Can I Customize My Policy?

Yes. Your business owners policy can be customized to address your commercial property, business personal property, or liability needs by adding an endorsement. An endorsement can either enhance or modify the coverage, depending on your requirements. Don’t know what you need? Our licensed experts are available to help you figure out which of these endorsements is right for you:

Industry Endorsements

Depending on the industry you’re in, there are specific needs that arise as part of conducting business. For example, a restaurant industry endorsement might cover food spoilage. A retail store endorsement might cover expenses from having to withdraw merchandise. A hotel or motel endorsement might increase coverage for outdoor fences and signs.

Risk-Specific Endorsements

Some businesses have inherent risks beyond what’s usually covered in a business owners insurance policy. Dozens of risk-specific endorsements can add an extra layer of protection when needed, like cyber coverage, garage keeper’s legal liability, miscellaneous professional liability (E&O), and more.

Increased Coverage Limits

If you want even greater security and protection, standard coverage limits can often be increased.

Small Business Insurance Experts

biBerk has over 500,000 satisfied customers and focuses exclusively on small businesses. Why is biBerk the business insurance company so many organizations rely on? There are many reasons.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Happy business owner helping an employee

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.

Experienced

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Is a Business Owners Policy Right for Me as a Landlord?

While business owners coverage is not required by law, some client contracts or property leases might require you to have a general liability or property liability policy, as part of your rental home insurance. In addition to the standard financial protections, a business owners policy from biBerk can help cover needs specific to your business.

Be Confident in Your Coverage

For example: Say you own a painting or construction business. On a regular job, one of your employees accidentally leaves the water running in a customer’s home, and it causes significant damage. Not only are you responsible for paying for the repairs, you also run the risk of being sued by the customer and having to pay legal fees. Expenses like these could come up at any time without warning, so without proper coverage, the business you’ve worked so hard to maintain could take a big hit financially.

Coverage Map

How Much Does Landlord Insurance Cost?

Our policies start at about $500, and most people pay less than $2,000.

We’re always happy to talk to you about the specific requirements of your policy and provide you with a comprehensive quote.

Calculating your Premium

All of these factors are considered when calculating your premium:

Business activities
Number of employees
Annual revenue
Condition and size of your properties
Industry
Number of years in business
Claims history

Get a Quote

Can I Reduce My Costs?

Rental home insurance is very affordable, especially when you select biBerk as your insurer. Even so, there are steps you can take to lower your insurance costs, including:

Choose biBerk

By working with a direct supplier of business owners insurance, you’re avoiding broker fees and other charges. Plus, our experts can help review your rental home policies annually to ensure you have the right amount and type of coverage.

Save on Billing Fees

Pay your annual business owners insurance premium in full, or sign up for automatic payments at the beginning of the policy.

Actively Manage Risks

Prevent slips and falls (the most common general liability claim) by instructing your employees to maintain a clean environment. You can also manage risks by ensuring your employees are up to date on any necessary training—like how to properly operate machinery, for example.

Protect Your Property

If you want even greater security and protection for your property then selecting extra rental property insurance is a safe bet. Especially when you choose biBerk. Standard coverage limits on your business owners insurance often can be increased.

Get a Quote Today

Find out how affordable our landlord insurance insurance is by giving us a call or chatting with us online. We’re here to answer any questions you might have and ensure that you get the best rental property insurance quote possible.