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Property Insurance

Commercial property insurance covers any damage to a property or contents within a property owned by a business. This typically covers damage as a result of natural disasters, theft, or fire. Almost all businesses with brick-and mortar operations have this type of coverage, from manufacturers to retailers. Some equipment can cost millions or billions of dollars and could significantly set the company back if inoperable.

Property insurance policies may also cover loss of income or increased expenses as a result of the damage. For example, if a business has to close for several months for repairs because of a fire or needs to replace significant items because of vandalism, then the property insurance would account for the lost income from those months.

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