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Commercial Property Owners · LRO Specialists · CA

Lessor's RiskInsurance California (LRO)

Lessor's Risk Only (LRO) insurance protects California commercial landlords from liability arising from leased premises. Wellington Partners shops the full market to find the best LRO rate for your property portfolio.

What It Covers

What Lessor's Risk Insurance Protects

Lessor's Risk Only (LRO) insurance is designed specifically for commercial property owners who lease space to tenants. It covers liability arising from the ownership, maintenance, and operation of leased premises.

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Premises Liability
Covers bodily injury or property damage occurring in common areas, parking lots, and building systems that you control as the landlord.
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Legal Defense
Covers attorney fees and defense costs when a tenant or visitor sues you for injuries on your property.
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Property Damage Liability
Covers damage to tenant property caused by building failures — burst pipes, roof leaks, or structural issues.
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Completed Operations
Covers claims arising from maintenance work or renovations performed on the property.
Who Needs LRO

Lessor's Risk for California Property Owners

Any commercial property owner who leases space to tenants — whether one unit or 50 — needs LRO coverage.

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Strip Malls & Retail Centers
Multi-tenant retail properties with shared parking, common areas, and multiple tenant businesses.
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Industrial & Warehouse Properties
Warehouse, light industrial and flex space leased to manufacturing, distribution or service tenants.
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Office Buildings
Single and multi-tenant office properties where landlord liability exposure exists in common areas and building systems.
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Mixed-Use Properties
Properties combining retail, office and residential space with complex tenant and visitor liability exposure.
Our Approach

How Wellington Partners Places Your LRO

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Full Market Submission
We submit to every eligible LRO carrier in California for maximum competition and best pricing.
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Proper Risk Presentation
We accurately present your property, tenant mix and loss history to secure the best available rate.
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Same-Day Certificates
Need a COI for a loan, lender or lease? We issue certificates the same day.
Free Quote · No Obligation · Same-Day Response
Get Your LRO Quote
A licensed CA broker reviews every submission personally.
Independent Broker X-Mod Review Class Code Audit 100% Independent CA Lic. #0G89296
Contact Information
Coverage Details
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Description of Operations

🔒 Sent to info@wpisgroup.com · CA Lic. #0G89296 · Never sold or shared

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Prefer to call a broker?(818) 492-4355
Complete Your Program

Bundle & Save

Wellington Partners places your entire commercial program — better pricing, one broker.

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General Liability

Complement your LRO with GL for complete property protection.

Learn more☂️

Excess / Umbrella

Add high-limit umbrella above your LRO for catastrophic protection.

Learn more🦺

Workers' Compensation

If you employ maintenance staff, WC is required.

Learn more

Ready to Protect Your Commercial Property?

Fill out the form or call us. A licensed CA broker will find the right LRO coverage for your portfolio.

📞 Call (818) 492-4355