Commercial & Landlord Insurance- Know The Difference!

Are you also confused about which insurance to buy when you are working from home? Here we are going to talk about commercial insurance and landlord insurance. We will also see whether they are different or similar from each other. Keep on reading below to sort your confusion out.

Commercial Insurance

It is a type of insurance that is offered to various commercial spheres such as industries, businesses, etc to ensure their business and similar things. This type of insurance covers all important assets under it.

There are several kinds of insurances such as:

  • Property Insurance
  • Shopkeeper’s Insurance
  • Marine Insurance
  • Liability Insurance
  • Engineering Insurance
  • Energy Insurance
  • International Insurance (cross border services are insured)
  • Employee Benefits Insurance
  • Automobile Insurance
  • Aviation Insurance
  • Bankers Indemnity Insurance (insures bank and all their needs)

Commercial insurance NJ will cover the costs of any accidents or losses from instances such as damage to property or person and covers public liability and employer’s liability.

Landlord Insurance

Landlord Insurance NJ is the type of coverage that promises to give financial protection to those renting their property out. They’re also known as landlords, hence the name. the insurance covers all of the landlord’s contents that need to be insured in case of an accident.

There are widely two kinds of landlord Insurances namely,

  • Commercial Landlord Insurance: those who have a property rented out for carrying out their businesses from the same property can be insured by this policy.
  • Residential Landlord Insurance: those people can issue this for the residential area they own and have rented out or live in it.

You get 2 kinds of coverage from this type of insurance,

Propertycoverage: insures damage of contents of the property as well as the property due to unnatural events such as floods, earthquakes or theft, etc.

Liabilitycoverage: insures the tenant of the property from any injury or accident due to negligence. Their costs are covered by this insurance.

Commercial Insurance vs. Landlord Insurance

Let us draw a comparison to see how Commercial Insurance and Landlord Insurance are different from each other.


  • Protects all business and business-related problems
  • You get coverage over Public liability as well as Employer Liability.
  • It can be issued by people running small businesses as well.


  • Protects residents and their property from any accident.
  • You receive Property Coverage as well as Liability Coverage
  • It can be issued by people living in their house as well as people who have just put the house on rent.


After reading the whole blog, it must have become crystal clear how different commercial and landlord insurances are.Therefore, now you know which insurance you should have when you buy a house and which insurance would work for an office space.