Who needs Commercial Property?
What's covered
The structure itself if you own it, including permanently installed fixtures like HVAC systems, plumbing, and electrical.
Equipment, inventory, furniture, computers, and other items your business owns.
Upgrades you've made to a leased space, like built-in shelving or custom lighting.
Lost income and ongoing expenses if you can't operate due to covered property damage.
Mechanical or electrical failure of equipment (often an add-on or separate policy).
What's not covered
Examples by industry
A fire damages your salon stations and styling equipment; commercial property pays to repair the space and replace the tools.
A kitchen fire destroys your ovens and walk-in cooler; commercial property covers replacing the equipment and spoiled inventory.
Your storage unit floods and ruins thousands of dollars of cleaning supplies and machines; commercial property covers the loss.
A burst pipe destroys your office furniture, computers, and files; commercial property pays to replace them.
A break-in damages your storefront and clears out inventory; commercial property covers the repairs and stolen stock.
A storm damages your dispatch office and the equipment inside; commercial property pays to rebuild and re-equip.
A power surge fries the servers and workstations in your office; commercial property covers replacing the hardware.
A fire at your shop destroys tools and materials; commercial property covers the replacement.
A flood ruins your studio's cameras, lighting, and editing rigs; commercial property pays to replace the gear.
Vandalism damages your brokerage office and signage; commercial property covers the repairs.
Part of the Knack guide
Learn Commercial Property alongside every other coverage in our full guide.
Open in the full guideRelated coverages
Often purchased together
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