What insurance must each party carry, and what evidence proves it?
Use this page to reconcile required coverages, limits, deductibles, endorsements and evidence against the actual insurance program.
See what this page does ↓A guide that turns this lease term into a practical next step.
Use this page to reconcile required coverages, limits, deductibles, endorsements and evidence against the actual insurance program.
What are you trying to do?
Choose your side and the situation you are dealing with. We will show you what it probably means, what to check first and where to continue.
Important: This helps you understand and organize the issue. The signed lease, amendments, facts and applicable law still need qualified review.
Use this when one of these situations is real.
Identify gaps, cost and requirements that may be unavailable or commercially unreasonable.
Verify current evidence and required risk-transfer protections without relying on a certificate alone.
Turn the clause into a controlled decision.
- 01
Extract each coverage, limit, deductible and endorsement requirement.
- 02
Link the requirement to current policy and endorsement evidence.
- 03
Record expiry, broker review, exceptions and open gaps.
- 04
Route material differences for insurance and legal review.
This page is a practical checklist—not lease wording.
The actual meaning depends on the complete lease, amendments, facts and governing law. Use the prompts below to extract and brief the issue; do not paste this page into a lease as a substitute for drafting and legal review.
What the business team needs to know
- Has the broker confirmed every required coverage and endorsement is available?
- Who carries building, improvements and business-interruption coverage?
- Do deductibles and waiver-of-subrogation provisions align?
What to capture from the document
Tenant policies
Record policy types, limits, deductibles, endorsements and evidence timing.
Landlord policies
Capture disclosed coverage, cost recovery and proceeds allocation.
Risk-transfer terms
Record additional insureds, waiver of subrogation and primary/non-contributory rules.
Terms that can change the practical outcome
- Coverage labels that do not match available Canadian insurance products
- Limits changeable without a reasonableness or market standard
- Insurance covenant treated as a substitute for liability allocation
What qualified counsel needs to test
Have legal and insurance advisers reconcile policies, limits, insured interests, waivers, deductibles, indemnities, casualty proceeds and any uninsurable exposure.
Commencement-control handoff: Carry the exact source, planned and actual events, accountable owner, required authority or professional evidence and every affected gate into Lease Commencement & Handover. A completed workflow task, key delivery or permit reference does not determine possession, acceptance, lawful occupancy, rent commencement or accounting treatment.