SOT: Need liability insurance for a lease garage with "challenges", sweet workshop for my 914 activities! Options

[914rrr]

I was just about to sign a lease on a sweet 960 sf garage / workshop with a similar size barn roofed top floor, 200 amp electric and a full bath for stupid cheap.

The problem is, the garage is at the back of a lot shared with the main house in front with another business. The property is zoned C-2. The lease required $100k liability insurance.

The insurance broker I asked for a quote tried several different ways to write it and later said he couldn't write it unless the lot was separated by a property line.

Is this insurance broker overthinking this or is this problematic? Any / all ideas, suggestions, etc., on how to obtain liability insurance for this garage would be greatly appreciated!

[rick 918-S]

Check with your home owners policy/agent. Get an extension for your liability coverage to an off premise address. I did that with a lake property i owned.. maybe is was an ownership thing but it is worth asking.

[914rrr]

Check with your home owners policy/agent. Get an extension for your liability coverage to an off premise address. I did that with a lake property i owned.. maybe is was an ownership thing but it is worth asking.

Thanks Rick, wish I could unfortunately that doesn't apply as I'm no longer a home owner.