Coverage
Commercial property coverage, line by line
Fourteen lines, what each one pays for, and the space between two of them where a covered loss quietly turns into an uncovered one.
Commercial property coverage is rarely one line: most accounts need four or five of these working together. The property form pays to rebuild, business interruption pays for the months it takes, equipment breakdown covers the failure the property form excludes by default, and the liability lines sit alongside all of it.
The expensive surprises are almost never inside one line. They are in the space between two of them: a property form and an umbrella bought in different years, a period of restoration set to twelve months on a building that takes twenty to permit and rebuild, a sublimit nobody read. Each page below covers what the line does, what it does not, and how the limit gets set.
The Lines
What each line pays for
Commercial Property Insurance
Pays to rebuild the building and its contents.
General Liability Insurance
Injury and damage claims brought by third parties.
Business Interruption Insurance
Lost income while a damaged building is closed.
Umbrella and Excess Insurance
Extra liability limits above the primary policies.
Equipment Breakdown Insurance
Mechanical and electrical failure of boilers and chillers.
Workers' Compensation Insurance
Statutory cover for employees injured at work.
Builder's Risk Insurance
Covers the project during construction or renovation.
Cyber Liability Insurance
Data breach response and the liability that follows.
Inland Marine Insurance
Equipment, inventory and property away from the premises.
Employment Practices Liability Insurance
Claims from employees, and fair housing claims.
Garagekeepers Insurance
Damage to customer vehicles in your care.
Professional Liability Insurance
Care malpractice and errors in professional services.
Commercial Crime Insurance
Employee theft, forgery and funds transfer fraud.
Surety and Fidelity Bonds
Contract, license and fidelity bonds.
Gap check
The gap is usually between two lines, not inside one.
A property form and an umbrella that were bought separately rarely meet in the middle. Send both and we will read them together.