Commercial cover?

Question from Sam updated on 25th January 2013:

I am leasing a commercial property and am paying my landlord rent and insurance each month. Can you tell me what the insurance I pay covers me for? I have my own insurance for my business.

Our expert Diane Nelson responded:

Alll insurance packages cover various things, each specific to the product bought. You are entitled to request from your landlord a copy of the policy terms and conditions so that you can familiarise yourself with your cover.

Diane Nelson has over 14 years experience as a property manager in the Northland region. She now owns the REAL Landlord Insurance NZ Ltd brokerage and for over six years has specialised in the Landlord Preferred Policy,for investment owners who have their properties professionally managed. Diane also runs property management consultancy business Passionate about Property Management.

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