This is available through a renter's commercial package policy, which also provides routine product liability coverage for businesses not involved in hazardous activities and allows you to name your landlord as an additional insured. Even if you haven't agreed to provide insurance coverage in your lease, a renter's commercial policy can make excellent sense. This is true even if the building owner is insured and recovers from his or her insurance company, because the owner's insurer has the right to try and recover. Basically, the insurance company looks at how long you would have had the use of the improvements and reimburses you for the use you lose. Two years into the lease, a fire destroys the paneling.
Insurance clauses in leases vary widely.
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