The Lease Agreement (Insurance) is a specialized commercial lease document used when leasing premises for insurance business operations in Ireland. It is particularly relevant when insurance companies, brokers, or related financial services providers need to establish new offices or relocate existing operations. The agreement addresses both standard commercial lease requirements under Irish property law and specific provisions necessary for regulated insurance businesses, including compliance with Central Bank of Ireland regulations, data protection requirements, and security measures. This document is essential for ensuring that leased premises meet both commercial property standards and regulatory requirements for insurance operations, making it suitable for various insurance business types from large insurers to small brokers. The agreement includes specific provisions for premises modification to accommodate insurance operations, regulatory compliance measures, and enhanced security requirements typical of financial services premises.
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1. Parties: Identification of the Landlord and Tenant (Insurance Company), including full legal names, registration numbers, and registered addresses
2. Background: Context of the lease agreement, including brief description of the premises and intended use as insurance office/premises
3. Definitions: Definitions of key terms used throughout the agreement, including specific insurance-related terminology
4. Demise: Formal grant of lease, specifying the premises being leased and the term of the lease
5. Rent and Payment Terms: Details of rent amount, payment schedule, review periods, and payment methods
6. Permitted Use: Specific provisions regarding use of premises for insurance business, including regulatory compliance requirements
7. Tenant Covenants: Tenant's obligations including maintenance, repairs, compliance with regulations, and insurance requirements
8. Landlord Covenants: Landlord's obligations including structural repairs, insurance of building, and quiet enjoyment
9. Insurance and Liability: Requirements for building insurance, public liability insurance, and other necessary coverage
10. Alterations and Improvements: Provisions regarding modifications to accommodate insurance business operations
11. Regulatory Compliance: Obligations to comply with Central Bank regulations and other insurance industry requirements
12. Assignment and Subletting: Conditions for transferring the lease or subletting the premises
13. Termination: Circumstances and procedures for early termination of the lease
14. Governing Law: Confirmation of Irish law as governing law and jurisdiction
1. Break Clause: Optional provision allowing early termination at specified points, recommended for longer leases
2. Service Charge: Required if premises are part of a larger building with shared services
3. Guarantor Provisions: Necessary if tenant requires a guarantor based on financial assessment
4. Signage and Branding: Specific provisions for insurance company branding and signage requirements
5. Data Protection: Special provisions for premises security and data protection if handling sensitive customer information
6. Green Lease Provisions: Environmental and sustainability obligations, if parties wish to include environmental commitments
7. Covid-19/Pandemic Provisions: Specific provisions dealing with future pandemic scenarios and business interruption
8. Fit-Out Works: Required if significant initial modifications are needed for insurance operations
1. Schedule 1 - Premises Plan: Detailed floor plans and premises boundaries
2. Schedule 2 - Inventory: List of landlord's fixtures and fittings included in the lease
3. Schedule 3 - Service Charge Items: Detailed breakdown of service charge components and calculations
4. Schedule 4 - Permitted Alterations: Pre-approved alterations for insurance business operations
5. Schedule 5 - Rent Review Provisions: Detailed mechanism for rent reviews
6. Schedule 6 - Building Rules and Regulations: Specific rules for building usage and security requirements
7. Appendix A - Regulatory Compliance Checklist: Checklist of required compliance measures for insurance premises
8. Appendix B - Fit-Out Specifications: Technical specifications for any agreed fit-out works
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