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INSURANCE FOR HIGH‑RISK OFFICE TENANTS
Managing Insurance for High‑Risk Office Occupants
Certain types of office tenants present a higher risk to landlords and insurers, including those who use equipment with increased fire exposure, handle hazardous materials, or operate high‑footfall workplaces. Our specialist guide explains the insurance implications and required protections for landlords renting to high‑risk businesses.
Common High‑Risk Office Tenants
- Call centres (heavy electrical load & equipment)
- Tech labs or hardware testing rooms
- Medical or clinical service tenants
- Creative studios using lighting or production gear
- AI labs or data‑processing environments
- Financial trading rooms (high‑intensity equipment)
- Shared office providers (increased footfall risk)
FREQUENTLY ASKED QUESTIONS
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What makes a tenant high‑risk for office buildings?
Tenants are considered high‑risk when they use equipment or processes that increase fire, electrical, liability or business interruption exposure.
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How does a high‑risk tenant affect insurance?
Insurers may impose higher premiums, additional conditions, or require enhanced fire / electrical safety compliance.
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Can landlords reduce the risk of high‑risk tenants?
Yes. Measures include PAT testing, upgraded fire alarm systems, electrical load assessments, and risk‑specific lease clauses.