Insurance Protection

Lease Agreements require each tenant to submit a Certificate of Insurance (COI) verifying that it is following the general liability and professional liability insurance provisions of the lease. The general liability insurance certificate must list Healthcare Realty Services Incorporated as the certificate holder, and Healthcare Realty Trust Incorporated and its affiliates as additional insureds by endorsement to the policy. Insurance coverage requirements are specified in the lease and will provide details on the types of coverage and amounts required. Please check your lease for your exact requirements, have your agent forward the COI to the Management Office prior to your move in, and request that your insurance agent provide the Management Office with a current copy of your COI with endorsements upon each renewal of your insurance policy.

Insurance carried by the landlord does not include personal property or business interruption. It is the tenant's responsibility to obtain insurance that covers office furniture, business machines, personal property, etc., and for any interruption in tenant’s business. The landlord assumes no liability due to leaks, flooding, power failures, fire, or any other situation. Nor does the landlord assume any liability for theft. For safety and security purposes, please keep all valuables, cash, checks, drugs, and prescription pads in a secure, locked location.

Below are the standard minimum requirements for tenant insurance coverage. Please check your lease for your exact requirements, as in the event of any discrepancy between the provisions of the section and the terms of your lease. The terms of your lease will control:

Please note: All commercial general liability Certificates of Insurance for tenants must reflect the following information exactly with applicable endorsements attached:

Certificate Holder: Healthcare Realty Services Incorporated
2004 Hayes Street, Suite 615
Nashville, Tennessee 37203
Additional Insured: Healthcare Realty and its affiliates as their interest may appear (for the address of the leased premises)
Limits: $1,000,000 for each occurrence in general liability
$2,000,000 aggregate
$500,000 for any one occurrence in property damage
Cancellation: 30-day notice

Professional liability Certificates of Insurance for tenants must contain the following information:

Limits: $1,000,000 per occurrence
$3,000,000 annual aggregate per physician/ healthcare professional
Cancellation: 30-day notice

Tenants are encouraged to provide evidence of workers compensation insurance in an amount equal to or greater than the amount of state statutory requirements.

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