🏢 Commercial Landlord Risk Calculator
Find the Coverage Gaps That Could Cost You Six Figures
Most commercial landlords don't realize they have coverage gaps until a tenant leaves, a pipe bursts in a vacant unit, or a claim is denied under a vacancy exclusion. Run this 60-second assessment for specific findings across lessors risk, loss of rents, vacancy provisions, and tenant compliance.
What you'll get
A personalized portfolio exposure report in 60 seconds
Run the assessment and you'll see exactly where your portfolio may be exposed — across lessors risk, loss of rents, vacancy, and tenant compliance.
Your Risk Score
A numerical score from 0–10 showing your overall portfolio coverage exposure, color-coded for severity.
Specific Coverage Gaps
The exact shortfalls in your lessors risk, loss of rents, vacancy, and tenant compliance coverage.
Severity Rankings
Each gap ranked CRITICAL, SIGNIFICANT, or NEEDS ATTENTION so you know what to fix first.
Clear Next Steps
Specific, actionable recommendations for each gap — not vague insurance jargon.
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What we see in the field
Most commercial landlords have a vacancy or lease-mismatch gap
Based on policy reviews by Direct Insurance Services across 29 states.
60 days
standard vacancy exclusion that denies water, theft, and vandalism claims
$96K+
average denied claim amount when vacancy exclusions trigger
80%
of commercial landlords have at least one gap between their leases and their policy
Explore More
Commercial Landlord Insurance Resources
Landlord Insurance Overview
LRO, GL, loss of rents, vacancy
Learn More →Landlord Insurance Guide
Complete guide for building owners
Learn More →California LRO
State-specific requirements
Learn More →Texas LRO
State-specific requirements
Learn More →What Is LRO Insurance?
LRO explained for building owners
Learn More →