Commercial property owners, both those operating a business on their property and those leasing property to another entity, may purchase policies that protect the building and associated structures. A property owner´s policy will not protect tenants from loss. Business owners who lease their property may buy policies that protect the building´s contents, such as machinery, furniture and stored or displayed merchandise.

Different types of commercial property insurance policies protect against different dangers, called "risks," "causes of loss," or "perils."

Insurance companies are free to use their own policies. Policies must contain reasonable coverages and meet all requirements set out by law. Insurers´ ability to offer different commercial policies allows them to tailor their products to fit the needs of particular businesses. The availability of multiple policies encourages a competitive market.

Insurance companies evaluate potential policyholders in terms of the risk of loss that they pose. Businesses that appear to be relatively high risks generally will pay more for insurance coverage, and may have trouble obtaining coverage from some companies. Businesses that appear to be relatively low risks generally will pay less for insurance coverage and find it easier to obtain.

Like individuals, a company’s future can be protected with a variety of insurance coverages. From protecting business property from damage or theft, to providing comprehensive health coverage for the employees or finding the most cost-effective liability insurance, General liability insurance is the cornerstone of your insurance protection for your company but liability insurance doesn't cover everything. Your agent will help you customize your coverage to address any gaps in your current policy, especially if the company risks facing unique types of claims. The following are important types of business insurance policies that you or your company may need to provide as complete coverage as possible.

Listed below are the different categories that fall under Commercial/Business Insurance.