What insurance clauses must be included in a lease?

The lessee shall maintain liability insurance against all losses resulting from damage to any property caused by the lessee's use or occupancy of the premises, and against all injuries or sequelae that may affect persons frequenting the leased premises. Depending on the type of lease, the lessor may require the tenant to take out various types of insurance, such as loss of income and operating expenses.

Normally, a commercial lease contains clauses to the effect that:

• the tenant undertakes to report to the landlord any circumstances that could aggravate the risk resulting from his behavior;
• if there is an increase in the insurance premium due to the tenant's activities or actions, any increase in premiums will be charged directly to the tenant and will be considered as rent.