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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
The accidental breakdown of boilers, machinery, and other equipment is covered by boiler and machinery insurance, sometimes known as "equipment breakdown" or "mechanical breakdown coverage."
Debris Removal Insurance
The price of clearing away debris after a fire, flood, windstorm, etc., is covered by debris removal insurance.
Builder’s Risk Insurance
Buildings are protected while being built thanks to builder's risk insurance. For instance, a Builder's risk coverage would pay losses if a windstorm destroys your condo complex that is just partially finished.
Both storefront and plate glass windows are covered by glass insurance.
Inland Marine Insurance
Property in transit and other people's possessions on your property are both covered by inland marine insurance. For instance, if there was a fire at your dry cleaning company, this insurance would pay for the damage to customers' clothing.
Business Interruption Insurance
Property damage or loss-related lost revenue and expenses are covered by business interruption insurance.
Ordinance or Law Insurance
When your building is largely destroyed, ordinance or law insurance pays the costs of dismantling and reconstructing it in compliance with the law (usually 50 percent). However, only the replacement value is covered by property insurance; the upgrade is not.
Tenants on commercial leases are frequently required to maintain a specific level of insurance. For instance, a renter's commercial policy protects changes you make to your rented space from damage and harm to the building from employee negligence.
Crime insurance covers property crimes such as stealing money, securities, shares, and fixtures from insiders and outsiders, as well as burglaries and other forms of robbery.
A bond company compensates damages brought on by a bonded employee stealing goods and cash from the company.