Commercial property insurance protects your business's physical assets. Here's a detailed breakdown of what's typically covered.
Building Coverage
Covers the structure itself, including walls, roof, foundation, and permanently installed fixtures like plumbing, electrical, and HVAC systems.
Business Personal Property
Covers movable items including furniture, equipment, inventory, supplies, and electronic data processing equipment.
Business Income / Interruption
Replaces lost income and covers continuing expenses if your business must close temporarily due to a covered loss.
Common Covered Perils
- Fire and smoke
- Wind and hail
- Lightning
- Vandalism and theft
- Explosions
- Certain water damage
Common Exclusions
- Floods (requires separate policy)
- Earthquakes (requires separate policy)
- Normal wear and tear
- Government action
Contact BlackArrow to review your commercial property coverage and identify any gaps.
