最近要开店，租房合同感觉有点问题，大家帮看看

这是第14节关于保险的一点，已经有了租房的保险，这个房东还要租户买商业保险，本来就是会买的，但是他还要求保险必须加上保窗户，但是商业保险一般没有这个的。这是是合同
indemnify and save Landlord harmless from and against any and all claims for damages or injuries to goods, wares, merchandise and property and/or for any personal injury or loss of life in, upon, or about the Demised Premises or on the sidewalks immediately in front of the Demised Premises arising for any reason whatsoever during the Term of this Lease.  Tenant’s insurance coverage must include the plate glass windows.

​Tenant will take out and maintain, at its own cost and expense, commercial general liability insurance coverage in a minimum amount of One Million Dollars ($1,000,000.00) combined single limit, which commercial general liability policy shall include (i) coverage for bodily injury and death, property damage and product liability coverage; (ii) contractual liability coverage insuring the obligations of Tenant under the terms of this Lease; and (iii) fire legal liability coverage with respect to the Premises and the building of which they are a part in the amount of at least One Million Dollars ($1,000,000.00).  Such policy (the “Required Policy”) shall name Paddock Park SC, Ltd. (Landlord), the Shoppes at Paddock Park Shopping Center, and Southern Management & Development, L.P. (and any of its affiliates, subsidiaries, successors and assigns designated by Landlord) as Additional Insureds.  The Required Policy shall be in a form and with a good and solvent insurance company reasonably acceptable to Landlord and shall be endorsed so as to be non-cancelable with respect to Landlord and not subject to material change except upon thirty (30) days prior written notice to Landlord.  Tenant agrees to deliver to Landlord a duplicate original or certificate of insurance of the Required Policy prior to tender of possession of the Premises to Tenant and in the event Landlord shall have tendered such possession of the Premises to Tenant but Tenant shall not have delivered a duplicate original or certificate of insurance of the Required Policy, then, Tenant shall not be permitted to enter or to occupy the Premises until such time such duplicate original or certificate are so delivered to Landlord (but the Premises shall be deemed “tendered” to Tenant for all other purpose under this Lease, including without limitation the commencement of the Term of this Lease and accrual of rent).  At all times during the Term (and prior thereto and subsequent thereto under the circumstances stated in the succeeding sentence), Tenant shall cause a duplicate original or a certificate of insurance of the Required Policy to be deposited with Landlord.  If Tenant fails to have a duplicate original or certificate of insurance of any Required Policy on deposit at any time during the lease Term (and prior thereto in the possession by Tenant prior to the Commencement Date or subsequent to the termination date hereof in the event of a holdover), the Landlord shall have the right (but no obligation) to take out and to maintain such Required Policy, and if Landlord does so and gives notice thereof to Tenant, then Tenant shall be obligated to pay Landlord the amount of the premium applicable to such Required Policy.  Such payment for the insurance premium shall be considered Additional Rent payable upon demand by Landlord.  

Any failure of Tenant to make such payment to Landlord shall be treated by Landlord as a default by Tenant in the payment of Additional Rent required to be paid by Tenant hereunder.

Tenant shall renew said policy not less than thirty (30) days prior to the expiration date thereof and furnish said renewals and evidence of insurance to Landlord. Said policy shall provide that it cannot be modified or terminated without thirty (30) days written notice to the Landlord.

Tenant hereby waives any and all right of recovery, claim, action or cause of action against the Landlord, its agents, directors, officers and employees for any loss or damage (including loss of use thereof) that may occur to the Premises or any improvements, or to the Building or any improvement thereto, or any personal property of such party in the Premises or the Building by reason of fire, the elements or any other cause which is insured against or should be insured against under the terms of any insurance policies regardless of cause of origin including negligence of the Landlord, its agents, directors, officers or employees.  Such waiver also applies to any such loss that would, but for the deductible, be covered by such insurance policies.
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Tenant agrees to have included in its property insurance policies insuring Tenant’s personal property, trade fixtures, equipment and alterations and improvements, a waiver of the insurer’s right of subrogation against the Landlord.
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