• Owned or Rented Buildings: This covers the physical structure of the business premises, whether owned or leased. In case of damage due to covered perils (like fire, storm, etc.), the policy helps in repairs or rebuilding.

• Additions and Additions in Progress: Coverage extends to structures that are being added to the existing building, protecting against losses during construction or renovation.

• Outdoor Fixtures: This includes items such as signs, fences, and satellite dishes attached to or near the business premises.

• Furniture and Equipment: Covers office furniture, computers, printers, and other equipment. It’s important for businesses that rely heavily on their equipment to function.

• Inventory: This includes products and goods held for sale. Coverage is essential for retail businesses, warehouses, and manufacturers, as it protects against loss or damage to stock.

• Tools and Machinery: Specialized tools and machinery essential for business operations are covered. This is particularly important for manufacturing or construction businesses.

• Valuable Papers and Records: Coverage for the loss of important documents such as contracts, accounting records, and customer data. It often includes the cost of reconstructing these papers if they are damaged or destroyed.

Lost Income and Extra Expenses during Restoration: If a covered peril forces the business to temporarily close, this coverage helps replace lost income and covers additional expenses incurred to keep the business operational during repairs, such as relocating to a temporary location

• Flood and Earthquake Coverage: Standard commercial property policies typically exclude natural disasters like floods and earthquakes. This coverage can be added to protect against these specific risks.

• Equipment Breakdown: Covers the cost of repairing or replacing business equipment that breaks down suddenly and accidentally. It’s different from wear and tear, covering incidents like power surges or mechanical malfunctions.

• Business Income for Off-Premises Utility Services: If a utility service (like electricity, water, or telecommunications) that your business relies on is disrupted due to a covered peril, this coverage helps replace lost income and cover additional expenses during the outage.