What Does Commercial Property Insurance Cover?

Commercial property insurance helps protect physical business assets such as buildings, equipment, inventory, and furniture. Coverage generally applies to damage caused by covered events like fire, theft, or certain weather incidents.

Policies can be tailored based on whether a business owns or leases its space. Coverage limits and deductibles vary depending on the property value and risk profile.

Commercial property insurance is often included in a business owners policy but can also be purchased separately.