Commercial Property
Definition. Commercial Property covers YOUR own property — building (if owned), business contents, equipment, inventory, and tenant improvements.
Also known as: Property Insurance, Building Coverage
Distinct from General Liability (which covers third-party claims). Typical perils covered: fire, theft, vandalism, wind, hail, water damage from burst pipes. Flood and earthquake are usually excluded by default.
Example
A restaurant kitchen fire damages equipment and inventory. Commercial Property pays for replacement.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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