Insurance Protection

Lease Agreements require each Tenant to submit a certificate of insurance verifying that it is in compliance with 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 certificate of insurance 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 certificate of insurance 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 this section and the terms of your lease, the terms of your lease will control:

All commercial general liability certificates of insurance for Tenants must reflect the following information exactly with applicable endorsements attached:

Certificate Holder: Healthcare Realty Trust Incorporated
9101 Franklin Square Drive
Suite 210
Baltimore, Maryland 21237
Additional Insured: Healthcare Realty Trust Incorporated 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.