If you’re in a commercial property with other tenants, often the Landlord will pay for the buildings insurance and recharge you a proportion. However you might find that the general insurance the landlord provides will not cover the specific needs of your business. To gain a clear understanding of what’s covered, it can be helpful to get a copy of the landlord’s insurance in writing, along with a list of any items, fixtures and fittings the landlord is responsible for maintaining.