Business-interruption coverage generally belongs to the business’s own time-element policy and responds according to its covered-cause and suspension requirements; it does not automatically follow the landlord’s building coverage. The lease determines many landlord/tenant repair duties, while each i

Responsibility usually starts with the lease and ownership of each damaged item. The landlord may own the structure and base building; the tenant may own inventory, furniture, equipment, and some improvements. Cause of loss, negligence, lease indemnity language, and each party’s insurance can shift

Treat commercial restoration as a business-continuity and responsibility problem, not just residential restoration at larger scale.