Tenants Liability Endorsement and Damage to Personal Property
September 20, 2011
I received a claim in which the insured leases a building from a landlord. The lease agreement indicates that the insured agrees to keep the premises in good condition and make necessary repairs. The insured has an endorsement, Business Liability Coverage Tenant Liability, BP 04 55, attached to his BOP. The landlord discovered damage to some outside tables and chairs that he owns and the insured uses for his restaurant. Although the tables and chairs are under the care, custody, or control of the insured, will this endorsement cover the damaged property; or only the premises itself? There is no damage to the premises.
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