Honestly I would not worry too much about it yet. Once you negotiate the major dealpoints, the landlord will give you a draft lease that spells out insurance requirements. I usually advise my clients to just send this section straight to their insurance guy or girl for a quote. Typically landlords want $1 million per occurrence, and $2 or $3 million umbrella. A lot want business interruption insurance as well.

Tom Poser
http://www.sanfranciscotenantrep.com