Interior of a building under construction with exposed wooden framing, tools, and materials, overlaid with the text “General Contractors, Artisan and Remodeling Contractors.” Image representing insurance coverage options for contractors.

General Contractors, Artisan and Remodeling Contractors.

Lessor’s Risk Only (LRO) Insurance
Smart Coverage for Commercial Property Owners
At Southern General Agency, we deliver insurance solutions that protect commercial property owners as diligently as they manage their investments. From general liability to property coverage, our LRO policies are built to safeguard your assets on every leased premises.
Target Classes We Serve
  • Retail Strip Malls
  • Office Buildings
  • Warehouses
  • Apartment Complexes
  • Mixed-Use Properties
  • Industrial Facilities
  • Shopping Centers
  • Single-Tenant Properties
...And many more commercial property types!
Coverage Highlights
  • General Liability – Protection against tenant or third-party lawsuits
  • Property Damage – Covers losses from fire, vandalism, or weather
  • Loss of Rental Income – Compensates for lost rent due to covered perils
  • Blanket Additional Insured (AI) – Broad coverage for leased properties
  • ISO Additional Insured Forms – Meets lease agreement standards
  • Per Property Aggregate Limits – Tailored protection per property

Experience the SGA Difference

With over 40 years of E&S expertise and a responsive underwriting team that understands commercial property owners, Southern General becomes an extension of your team. We make placing LRO coverage easy, fast, and reliable.
Contact SGA