What does commercial property insurance primarily cover?

Commercial property insurance primarily covers protection against fire and theft by safeguarding buildings, equipment, and inventory against risks such as damage or loss due to fire, theft, vandalism, and certain natural disasters. This type of insurance ensures that a business can recover the value of its physical assets if they are damaged or lost, helping to maintain operational continuity.

In contrast, life insurance policies relate to the financial loss incurred due to the death of an individual and do not pertain to property coverage. Liability for personal injuries addresses legal claims against a business for injuries occurring on its premises but is not focused on property damage or loss. Health insurance costs involve medical expenses for individuals and employees, which is a separate matter entirely from commercial property concerns. Thus, the focus of commercial property insurance is distinctly on protecting tangible assets against specific risks, making the coverage against fire and theft the most accurate choice.