Commercial tenants want insurance; Offsetting bank charges with interest

Question 1:

A 10million rand commercial property was bought , replacement value around 15million. Current tenants will not sign new lease if building and third party liability insurance for workers are not covered. No tenant will sign a lease if they are not insured. What’s the way forward for commercial tenants and buildings?

Question 2:

A business bank account was opened with Nedbank.
Upon opening the bank account an investment(call) account had to be opened in parallel( for international money transfer ).
The investment accounts generates interest.
Can the interest be used to offset bank charges?