Commercial Property Insurance

 This covers the actual structure of your business premises, including walls, floors, ceilings, and permanent fixtures like plumbing, electrical systems, and HVAC units. It protects against damages caused by perils such as fire, lightning, windstorms, hail, explosions, vandalism, and more. 

 This protects your business's movable property, including furniture, machinery, equipment, inventory, and supplies. It covers these assets against similar perils as building coverage. 

 This coverage helps replace lost income and pay for ongoing expenses if your business is unable to operate due to a covered peril. It typically covers expenses like rent or mortgage payments, employee wages, taxes, and net profits that would have been earned during the period of interruption. 

 Extra Expense Coverage,  Debris Removal Coverage,  Equipment Breakdown Coverage, Utility Services Coverage, etc.