Coworking Space Insurance Coverage Checklist
The coverages a coworking space business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for coworking and flexible-office operators. Priorities reflect typical exposure; confirm against services, alcohol, and lease terms.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers member and guest injuries, including at events. | Core | |
| Liquor Liability | Needed if alcohol is served or provided — GL typically excludes it. | Situational | |
| Cyber Liability | Covers breaches of the shared network and member data. | Core | |
| Employment Practices Liability (incl. Third-Party) | Covers harassment claims involving staff and members. | Prevalent | |
| Commercial Property & Business Income | Covers improvements, furniture, and equipment, plus lost income after a covered loss. | Core | |
| Bailee / Member Property Coverage | Covers members' property and mail in the operator's care. | Situational | |
| Crime | Covers employee theft and fraud. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for problems between members. Employment attorneys warn that coworking combines anonymous users, few conduct rules, and free-flowing alcohol — the conditions behind harassment, assault, and theft claims — and operators must act when members complain. Operators serving alcohol need liquor liability, and EPL with third-party coverage addresses harassment. The shared network needs cyber coverage, and master-lease insurance requirements should be checked against every policy.
Send us the checklist and we'll review your coworking space coverage line by line, then market it across multiple carriers that compete for your account.
Related: Coworking Space Insurance · Coworking Space Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a coworking space business need?
The core coverages for a coworking space business are Commercial General Liability, Cyber Liability, Commercial Property & Business Income. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my coworking space coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.