Basic insurance - liability, property, etc - as well as water was covered in our lease. Electric and heat were our responsibility. We needed quite a bit of production insurance to cover lighting and other equipment rental.
Looks like we're signing the lease today or tomorrow. Water is almost alway included in leases down here since everythings on well water outside the city limits.
Opted for the no-heat or air-co warehouse, but will be installing fans to keep things cool if needed. The thing is well insulated.
Was traffic noise a problem at your location, Dennis?