We writers and editors of FC&S Online have a good bit of interaction with our subscribers, and some of that involves lengthy discussions and even — can you believe it? — heated debate. One of the most common areas of disagreement is tenant improvements and betterments (I&B), and the associated coverage for it.

Both the standard business owners and commercial property coverage forms define I&B as fixtures, alterations, installations, or additions that become part of a building that the tenant does not own and that the tenant acquired or made at his own expense but cannot legally remove. Various courts have ruled that the additions must also be substantial (not merely putting in a few shelves) in order to qualify.

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