Overview

This policy protects property such as buildings, contents, equipment, and personal property used in the business from perils of fire, theft, and natural disasters. Additionally, commercial property insurance often provides coverage for losses of income caused by these perils. Business income coverage is not sold as a stand-alone policy but can be included with the business’s property insurance policy. This is critical for cannabis companies as many times the equipment needed is extremely expensive and could create a huge loss if not maintained properly. Another important factor is insuring your finished inventory. This is the lifeblood of your business and something that must be insured.

What is Commercial Property Insurance?

Commercial property insurance helps protect against asset loss. It is one of the core coverages in business owners’ policy (BOP) insurance.

While the terms of a policy and explicit coverage vary from policy to policy, there are virtually no industry-specific differences.

The policy terms, limits, and retentions should be tailored to reflect the assets and acceptable loss thresholds with regards to business property and income.

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