Guidance for commercial tenants
Insurance
The terms of your lease will determine the responsibility for insurance.
If your lease requires you to insure the premises, a copy of the policy should be sent to Land and Property Services annually.
If Calderdale MBC is responsible for insuring the structure you will still require additional insurance to cover the following items:
- Items that are the tenants responsibility in the lease
- Plate glass insurance
- Public liability insurance
- Employers Liability Insurance (if applicable)
- Contents Insurance
- Other insurances as required by you (such as business interruption cover to deal with situations where highway or other works affect your business).
In the event of the premises being damaged you must immediately advise Land and Property Services who will refer the details to the Council’s Insurance Section.
The Council’s insurers and / or appointed Loss Adjusters will liaise with you and / or your insurers in the event of a large insured loss.
Details of the Council’s insurance cover and policy can be obtained by contacting Land and Property Services. See Contact details .
