5
PLAYBOOK TEMPLATES
Office Lease
An Office Lease establishes tenancy rights and obligations for commercial premises. This playbook analyzes rent structures, maintenance responsibilities, and default remedies.
Insurance Obligations
Negotiation strategy
Ensure that the contractor maintains adequate insurance coverage to protect against potential liabilities. Require proof of insurance before work commences and verify that the coverage limits meet or exceed industry standards.
Negotiate reasonable coverage limits that align with the scope of work and potential risks. Provide timely proof of insurance and ensure that all policy provisions are clearly communicated to the property owner.
Essential elements
1
Insurance Types
Required insurance types for coverage.
2
Coverage Limits
Minimum coverage amounts required.
3
Additional Insureds
Naming other parties as insureds.
Action framework
ACCEPT
Propose edits if coverage limits are insufficient or if additional insured provisions are missing.
EDIT
Reject clauses that do not meet statutory requirements or fail to provide adequate protection.
ADD
Add clauses to address any missing insurance types or coverage limits.
PRO TIP
Always verify the insurance certificates to ensure compliance with the agreed terms before the contract execution.
Real-world examples
FAVORABLE
Comprehensive Insurance Coverage
"The parties shall maintain the following types of insurance throughout the term of the agreement: Commercial General Liability Insurance with coverage limit no less than $1,000,000 per occurrence and $2,000,000 in aggregate; Property Insurance covering full replacement cost; Workers' Compensation Insurance complying with statutory requirements."
NEUTRAL
Standard Insurance Clause
"The contractor shall maintain insurance as required by law, including general liability and workers' compensation."
UNFAVORABLE
Insufficient Coverage
"The contractor may provide insurance at their discretion, without specific coverage limits."
Alternative scenarios & positions
High-Risk Projects
For projects with higher risk, such as construction in densely populated areas, increase coverage limits and require additional endorsements to mitigate potential liabilities.
International Contracts
When dealing with international contracts, ensure compliance with local insurance laws and consider additional coverage for political and economic risks.
Small-Scale Projects
For smaller projects, negotiate lower coverage limits while ensuring that essential protections are still in place.
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WEEK 3
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