I have insured a business that leases a 5,000 - 10,000 sqf commercial space and builds out mini-salons for hairstylists, beauticians, etc. My client doesn't provide any services directly. I was able to write it through a captive company I used to be with but now as an independent, I am having a hard time finding a carrier that can do it. The main reason is that lessor's risks are meant for building owner but my client himself is a tenant. Liberty Mutual couldn't do it because each sub-lessee can access the main suite 24/7. Travelers, Hartford, USLI, CNA, Liberty Mutual have all turned it down.
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