# Commercial Property Insurance | Supersure

> Supersure helps businesses get commercial property insurance covering buildings, equipment, inventory, and business interruption from covered losses.

Canonical: https://www.supersure.com/business-insurance-coverage/commercial-property

From storefronts to storage rooms, commercial property insurance can help your business manage costs from covered property losses such as building damage, equipment loss, inventory destruction and more.

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Commercial property insurance helps pay for the repair or replacement of your business's physical assets, such as buildings, equipment and inventory, that are destroyed or damaged by covered perils like fire, theft, or certain weather events.

Commercial property insurance may also include business interruption coverage, which can help replace lost income when your business operations are temporarily shut down due to a covered loss.

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- **Building Damage**
- **Business Personal Property**
- **Inventory Loss**
- **Equipment and Machinery**
- **Business Interruption**
- **Property in Transit**

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

Commercial property insurance can be helpful for businesses that depend 
on equipment, inventory, or physical locations in order to maintain their daily operations.

- **Retail Businesses**
- **Restaurants & Food Delivery**
- **Manufacturing Businesses**
- **Service Professionals**
- **Fitness & Wellness Businesses**
- **Schools & Nurseries**

While commercial property insurance helps cover certain physical assets, many businesses need additional forms of insurance to address claims arising from third-party property damage, employee injuries, and cyber-related losses that are not typically covered in a commercial property policy.

### General Liability

General liability insurance can help cover third-party bodily injury or property damage claims that are not covered by commercial property insurance.

### Business Owners Policy (BOP)

A business owners policy bundles commercial property and general liability coverage, often providing a more efficient solution for eligible businesses.

### Workers’ Compensation

Workers’ compensation insurance covers employee injuries and illnesses that occur on the job, which are excluded from commercial property insurance.

### Professional Liability

Professional liability insurance helps address claims tied to professional mistakes or advice, which are not covered under commercial property insurance.

### Commercial Auto

Commercial auto insurance can help cover vehicles used for business purposes and covers accident-related liability not addressed by property coverage.

### Cyber Insurance

Cyber insurance can help address losses from data breaches and cyber incidents that commercial property insurance does not cover.

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about commercial property insurance.

### Is commercial property insurance required by law?

It’s not typically required by law, but lenders and landlords often require coverage as part of lease or financing agreements.

### Does this coverage apply if I only lease my space?

Often, yes. Even businesses who do not own the building they occupy may still need coverage for business personal property, inventory and improvements made to leased spaces.

### What’s replacement cost coverage vs. actual cash value coverage?

Replacement cost coverage typically pays to repair or replace damaged property with new property of similar kind and quality, without deducting for depreciation. Actual cash value coverage factors in depreciation, meaning the payout reflects the property’s age, condition, and remaining useful life, which can result in lower claim payments.

### Does commercial property insurance cover floods or earthquakes?

Standard policies usually exclude flood and earthquake damage, which require separate coverage.

### Does property insurance cover equipment breakdown?

Mechanical or electrical breakdown is often excluded and may require separate equipment breakdown coverage.

Talk to our team today and get started with your Supersure business insurance coverage.

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