Are all contents covered by Commercial Property insurance?

Learn about the scope of coverage offered by commercial property insurance. Discover whether all your business assets and liabilities are protected.

Aditya Raghunath - Writer for NEXT Insurance
By Aditya Raghunath
Kelly Hendrickse - editor for NEXT Insurance
Reviewed by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Updated June 2, 2023.

Simply put — no, not all business contents may be covered under commercial property insurance, and the coverage can vary depending on the policy and insured property type.

Types of contents covered by Commercial Property insurance

In commercial property insurance, contents typically refer to the business property and equipment that is necessary to run the business.

Here are some examples of what might be covered under each type of content:

  • Furniture and equipment, such as desks and computers.
  • Inventory, like goods for sale or packaging materials.
  • Machinery, for example, in manufacturing, could include conveyor belts.
  • Building improvements can include permanent improvements or additions made to the building, such as flooring.

» Find out why businesses need more than one business insurance policy

Damage and contents not covered by Commercial Property insurance

These may include:

  • High-value items, such as artwork or rare collections. Businesses with these items may need to purchase additional coverage or seek a specialized policy.
  • Intentional property damage caused by the business owner or employees may not be covered.
  • Flood or earthquake damage may not be covered, and businesses located in flood- or earthquake-prone areas can consider purchasing additional insurance.

Choose Commercial Property insurance with NEXT

Commercial property insurance can be highly beneficial to help reduce the risk of business interruption due to theft, equipment malfunction, or inventory damage.

With NEXT, you can explore tailored coverage options. Plus, you'll have instant access to your certificate of insurance once you purchase coverage, and you can share it 24/7 with the NEXT app. Get an instant quote online today in less than 10 minutes to find out more.

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