What Does Commercial Building Insurance Cover?
Building insurance protects the structure and key components of your property, which may include:
- The building structure itself
- Rental income for leased properties
- Outbuildings, sheds, or detached structures
- Outdoor signage
- Fencing, landscaping, and grounds
- Ordinance or law upgrades required after damage
Your insurance policy will outline the specific coverage limits and protections for each of these areas.
Common Covered Events for Building Insurance
While coverage can vary by provider, most commercial building insurance policies protect against common perils, such as:
- Fire and smoke damage
- Vandalism and theft
- Windstorm and hail damage
- Internal water damage (excluding flooding)
- Explosions
- Ice and snow damage, including roof collapse
It’s important to review your policy carefully to ensure you understand what’s covered, the limits of coverage, and any exclusions. Our team can help you navigate these details to ensure you get the protection you need.
