Commercial Property Insurance.
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Commercial Property insurance covers physical damage to your business property — the building itself (if you own it), business personal property (equipment, inventory, furniture, fixtures), and improvements you've made to a leased space. It pays for repair or replacement after covered events like fire, theft, vandalism, wind, and most weather-related damage.

Building coverage protects the physical structure — walls, roof, foundation, permanent fixtures. Contents coverage (also called Business Personal Property or BPP) protects everything inside that you'd take with you if you moved — equipment, inventory, furniture, computers. If you rent your space, you typically only need Contents. If you own, you need both.

Premium is based on the replacement cost of your property, construction type (frame vs. masonry), age of the building, location (fire protection class, flood zone, earthquake zone in California), occupancy type, security/fire suppression systems, and your claims history. A contents-only policy for a small office might be $500–$1,500/yr; a full building policy can range from $2,000 to $15,000+.

No — both are excluded from standard Commercial Property policies. Flood requires a separate policy through the NFIP (National Flood Insurance Program) or a private flood insurer. Earthquake requires a separate endorsement or standalone policy, which is especially important in California. If your building is in a flood zone or seismic area, these aren't optional.

Business Interruption (also called Business Income) reimburses lost income while your property is unusable due to a covered loss. If a fire forces you to close for three months, BI replaces the revenue you would have earned, plus pays continuing expenses like payroll and rent. For most property owners, this is more financially critical than the building coverage itself.

Replacement Cost (RC) is strongly recommended. RC pays to rebuild or replace at today's prices without depreciation. Actual Cash Value (ACV) subtracts depreciation — so a 10-year-old roof might only get 50% of replacement cost after a loss. RC costs slightly more in premium but pays out far more when you actually file a claim.

Despite the nautical name, Inland Marine covers movable property — equipment, tools, or inventory that travels off-premises or between locations. Common uses: contractor tools, photography equipment, leased equipment, fine art, and computer equipment off-site. It fills gaps where Commercial Property's location restrictions leave you exposed.

No. Your Commercial Property policy covers only your property — the building and your business personal property. Tenants need their own Commercial Tenant or Renters policies for their belongings and improvements. As a landlord, you should require tenant insurance as a condition of the lease, with you named as an additional insured.