Commercial property insurance protects a commercial building and its contents—such as inventory, computers, telephone systems, documents, furniture, HVAC systems, machinery, and equipment—as well as exterior features such as signs, fences, gates, lighting, and landscaping—from damage caused by fire, burst pipes, storms, theft, and vandalism.

Damage caused by earthquakes and floods is generally not covered by a commercial property insurance policy unless coverage for those natural disasters is added to the policy.

In Texas, commercial property insurance is designed to cover businesses for losses related to their physical assets. This includes the building itself, as well as its contents like inventory, office equipment, and other property used in the business. Standard policies typically cover a range of perils such as fire, water damage from burst pipes, storms excluding hurricanes, theft, and vandalism. However, it's important to note that standard commercial property insurance policies in Texas do not cover damage from earthquakes or floods. Business owners seeking coverage for these specific natural disasters must purchase additional endorsements or separate policies that specifically address these risks. It's also worth mentioning that in coastal areas of Texas, windstorm and hail coverage may be excluded from standard policies and may require separate coverage as well. Business owners should carefully review their policies and consider their geographic location and potential risks when deciding on the appropriate coverage for their commercial property.