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What Is Commercial Property?
Commercial Property insurance helps pay to repair or replace your business building and the stuff inside it after a covered loss. It is designed to keep a physical setback like a fire, break-in, or burst pipe from turning into a cash flow crisis.
What Does Commercial Property Cover?
It can cover your owned or leased space, fixtures, furniture, equipment, and inventory when they are damaged by covered events like fire, theft, vandalism, or certain types of water damage.
Fire damages your workspace
Water loss shuts down operations
Break-in and stolen equipment
Key Features of Commercial Property
Building and business personal property options
You can insure the structure you own, or focus on what you own inside a leased space, like equipment, inventory, furniture, and tenant improvements.
Replacement cost versus actual cash value
Many policies let you choose how losses are valued. Replacement cost can pay to replace items with comparable new ones, while actual cash value factors in depreciation.
Coverage can be tailored to your location and risk
Limits, deductibles, and add-ons can be adjusted for what you store, how you operate, and what your landlord or lender requires, especially in higher risk California areas.
Commercial Property Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
