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Commercial Property Owners Insurance
Purpose-built coverage for Ontario landlords and real estate investors. Protect your building, rental income, and liability exposure with commercial landlord insurance in Mississauga, Ontario, and across Canada.
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Landlord Protection
What Is Commercial Property Owners Insurance?
Commercial Property Owners insurance (also called Commercial Landlord Insurance) protects rental property owners in Ontario against damage to the building, loss of rental income, and liability claims arising from owning and operating commercial or mixed-use properties.
Building & Property Coverage
Covers physical damage to your building from insured risks like fire, vandalism, theft, and certain water losses, depending on your policy form.
Rental Income Protection
Helps replace rental income when a covered loss forces tenants to leave and your property becomes temporarily untenantable.
Ideal For
Who Needs Commercial Landlord Insurance?
If you own commercial property in Ontario, landlord insurance is essential. Many leases, lenders, and property managers require proof of coverage before you can sign tenants or secure financing.
Commercial Landlords
Real Estate Investors
Retail Plaza Owners
Office Building Owners
Industrial Property Owners
Mixed-Use Buildings
Vacant or Renovating Properties
Property Management Firms
Single Property or Portfolio Owners
Leaseholders With Insurance Obligations
New Landlords
Established Investors
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Protect Your Rental Property and Cash Flow
Compare quotes from top-rated Canadian carriers. Secure building coverage, rental income protection, and landlord liability in one policy.
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Key Advantages
Key Benefits
Property owners insurance is designed to protect your asset value and reduce the financial impact of covered losses.
Complete Coverage
What Does Commercial Landlord Insurance Cover?
Coverage varies by risk and property type, but these are the core protections most property owners in Ontario consider essential.
Building Coverage
Protects the structure and permanently installed fixtures against covered physical damage.
- Fire and smoke damage
- Vandalism and malicious acts
- Storm and certain weather losses
- Specified water losses (as applicable)
Landlord Contents
Covers items you own inside the premises, separate from tenant property.
- Appliances (if included in lease)
- Maintenance equipment
- Furnishings in common areas
- Signage and interior improvements
Loss of Rental Income
Helps maintain cash flow when a covered loss makes the unit or building untenantable.
- Rental income replacement
- Coverage during repairs
- Extra expense (as applicable)
- Support for temporary vacancy due to loss
Equipment Breakdown
Optional protection for mechanical or electrical breakdown of key building systems.
- HVAC and boilers
- Electrical panels and wiring faults
- Refrigeration units (where applicable)
- Elevators and building equipment
Landlord Liability
Protection if someone alleges injury or property damage due to building ownership or maintenance.
- Slip and fall incidents
- Common area injuries
- Legal defense costs
- Settlements and judgments
Optional Extensions
Build a policy that matches your lease structure and risk profile.
- Sewer backup and water damage options
- Flood coverage (where available)
- Glass breakage
- Crime, vandalism, and theft options
Risk Awareness
Common Landlord Insurance Claims
Rental properties face a different risk profile than owner-occupied locations. The right coverage helps protect your investment when something goes wrong.
Fire and Smoke Damage
Damage to units, hallways, or shared mechanical areas due to fire, heat, or smoke migration.
Example: A small kitchen fire spreads smoke through multiple units and forces tenants to leave temporarily.
Water Losses
Leaks, burst pipes, or appliance failures causing damage to walls, flooring, and tenant spaces.
Example: A burst pipe damages ceilings in two units and requires emergency restoration.
Slip and Fall Liability
Third-party injuries in parking lots, stairwells, entrances, or other common areas.
Example: A visitor slips on ice near the entrance and alleges insufficient maintenance.
Vandalism and Malicious Damage
Intentional damage to doors, windows, walls, or shared property during or after tenancy.
Example: A unit is vandalized after hours, resulting in repairs and temporary vacancy.
Get Answers
Frequently Asked Questions
Common questions about commercial landlord and property owners insurance.
Commercial Property Owners Insurance (also called Landlord Insurance) protects building owners from property damage, lost rental income, and liability claims from tenants or visitors.
Any commercial property owner, real estate investor, or landlord who owns buildings leased to businesses needs this coverage to protect their investment.
It covers building damage, business interruption (lost rental income), tenant liability, and legal defense costs.
Yes, tenant insurance covers their personal property and business operations, but you need coverage for the building structure and your liability as the owner.
Coverage should equal the replacement cost of your building plus business interruption coverage for 12-24 months of lost rental income.
Common claims include tenant slip-and-fall injuries, water damage from burst pipes, fire damage, and liability for tenant business operations.
Get the Right Coverage for Your Commercial Property
Protect your building, rental income, and liability exposure with Boardwalk’s commercial property owners insurance. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
