Commercial property insurance is pretty much exactly what it sounds like.  It is a form of insurance that financially protects your business from damage sustained by the physical premises in the event that something happens.

Just like with car insurance or home insurance, commercial property insurance breaks down into several different sub categories depending on the particular type of damage that you wish to be protected from, and not all of them are automatically included in any given policy.

For this reason, you will need to be extremely particular when selecting your policy.  If you are in a very dry climate, you will want to make sure that fire damage is included, or if you live on a flood plain, you will want to make sure that flood damage is included.

There are quite a few sub categories that you will need to consider when selecting your policies, so take the time to consider them carefully before making a decision.