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Commercial property insurance covers your building, everything in it, and just outside of it, including:
Commercial property insurance pays for losses and damages to real or personal property. For example, a property insurance policy would cover fire damage to your office space. You can purchase additional coverages for business property, including:
Boiler and machinery insurance, sometimes called “equipment breakdown” or “mechanical breakdown coverage,” provides coverage for the accidental breakdown of boilers, machinery, and equipment.
Debris removal insurance covers the cost of removing debris after a fire, flood, windstorm, etc.
Builder’s risk insurance covers buildings while they are being constructed. For example, a Builder’s risk policy would cover losses if a windstorm takes down your partially completed condominium complex.
Glass insurance covers broken store windows and plate glass windows.
Inland marine insurance covers property in transit and other people’s property on your premises. For example, this insurance would cover fire damage to customers’ clothing from a fire at your dry cleaning business.
Business interruption insurance covers lost income and expenses resulting from property damage or loss.
Ordinance or law insurance covers the costs associated with demolishing and rebuilding to code when your building has been partially destroyed (usually 50 percent). However, property insurance covers only the replacement value, not the upgrade.
Commercial leases often require tenants to carry a certain amount of insurance. For example, a renter’s commercial policy covers damages to improvements you make to your rental space and damages to the building caused by the negligence of your employees.
Crime insurance covers property crimes such as theft, burglary, and robbery of money, securities, stock, and fixtures from employees and outsiders.
A bond company covers losses due to a bonded employee’s theft of business property and money.
