What is tenants’ improvement insurance?

Tenants’ improvement insurance is cover that goes above and beyond the usual building cover available for office type properties. This insurance accounts for any permanent additions or lasting changes that are made to a building by a tenant usually at their own expense. Examples of this would be alterations to wall layouts, the introduction of air conditioning and other physical changes. Tenants’ improvement insurance covers these “improvements” to the building, as they will not be covered by the owner or landlord of the property.