Would you be able to clarify if a tenant renting space in a large building (in this case, a nursery renting two floors of a three storey building) would be liable to pay the building insurance costs in addition to their contents, public and employer liability premiums. We are unable to obtain a licence agreement (and suspect that there isn't one) so have no idea what has been agreed between the landlord and tenant. My question is really - what is the normal procedure? Would the tennant be expected to pay the whole of this premium even though they do not own the building and have no benefit in it as an asset? There are also other people renting space in the building.