How to sublease my office?

[Roger Kelley]

I have a office condo that I'm not using a lot of, since the downturn. I listed to rent a room of it on Craigslist, and got a Web guy who wants to work after hours and weekends trying to start his web based business. My problem is my business insurance may not cover my equipment and records if theft occurs; because I gave someone else a key. The agent suggested having HIS business insurance name me as an additional insured- and when I quit snickering, admitted that I didn't know for sure that he doesn't have insurance. But I would be real surprised if he did.

Any suggestions? He lives in a condo, and just wants a place to work away from family that isn't Starbucks; a reasonable idea, I think. I just want to make sure I'm still covered. I'll have him sign a lease, of course, and pay in advance, but I don't know what other options I could try. Thanks!