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Commercial Buildings Insurance

A commercial building insurance or commercial property insurance covers any commercial property.

A commercial building with any nature of business should get a commercial building insurance. It can be a pub, a flower shop any building or structure used commercially. A commercial building insurance policy will cover all the risks to a building such as fire, theft, and damages but keep in mind that the nature of the business under that building may influence the coverage. If the company is working with dangerous materials or anything flammable, this will give them more risk than a normal office dealing with administrative work. On top of that, contents and employers liability should be given in a standard package including the legal costs and business interruption coverage.

There are optional add-ons that are available for your commercial building insurance. These are aspects such as employees stealing from the business or equipment breakdowns. Again, it all depends on the nature of your business and some additional policies may not be necessary and needed.

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