How Exposed Are You?
Most tenants don't know the real financial risk hiding in their lease. Your monthly rent is just the beginning — the actual liability can be 5–10x what you expect. We help you find out.
What Is Tenant Exposure?
Tenant exposure is the total potential financial liability you face from your lease — beyond the rent you expect to pay. It includes every clause that could cost you money if things don't go exactly as planned.
Where It Comes From
Based on a 3-year remaining lease at $3,000/month with a personal guaranty. Your actual exposure depends on your specific lease terms.
Six Sources of Hidden Exposure
Every commercial lease contains clauses that create financial risk beyond your monthly rent. Here are the six most common — and most costly.
Early Termination Penalties
Need to exit your lease early? Expect to pay 3–6 months' rent plus unamortized tenant improvements. On a $5,000/month lease, that's $30,000+ — just to leave.
Personal Guaranty Liability
If you personally guaranteed the lease, your home, savings, and personal assets are on the line. An unlimited personal guaranty means the landlord can come after everything you own.
Holdover Charges
Stay even one day past your lease expiration, and your rent can jump to 150–200% of the base amount. Three months of holdover at 200% on a $4,000 lease? That's $24,000.
Restoration Costs
Your lease may require you to return the space to its original condition when you leave. Removing walls, flooring, fixtures, and signage can cost $15–$50 per square foot.
Maintenance Obligations
In a triple net lease, you're responsible for property taxes, insurance, and maintenance. These can add 30–50% on top of your base rent — and they increase every year.
Legal Fee Exposure
Many leases include one-sided attorney fee clauses: if the landlord sues you and wins, you pay their legal fees too. That can add $10,000–$50,000 to any dispute.
The LiabilityScore™ Standard
LiabilityScore™ is a standardized 0–100 scoring system that quantifies the financial risk in any contract. Developed for commercial leases, employment agreements, and vendor contracts, it gives you a single number that tells you how much risk you're taking on.
Upload your lease, and our system analyzes every clause — from personal guaranties to holdover penalties, CAM charges to restoration requirements. In minutes, you get a score, a risk breakdown, and specific recommendations for negotiation.
Upload Your LeaseWhat Your Score Means
Calculate Your Exposure.
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Upload your lease and get a comprehensive risk analysis in minutes. Know exactly what you're signing before it's too late.
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