Commercial property insurance helps protect your owned or rented building, plus the tools and equipment you use to operate your business. It covers losses from many sources, such as:

 

• Fire

• Burglary

• Theft

• Wind

• Lightning

​​

For home-based business owners, this type of commercial insurance provides more coverage than homeowners insurance. Commercial building insurance helps protect your business’ physical assets, such as your:

 

• Building

• Equipment

• Tools

• Inventory

• Furniture

• Personal property

​​

It also includes business interruption insurance. So, if you can’t operate your business because of covered property damage, your policy can help replace your lost income.