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What Perils Are Covered by Commercial Property Insurance?

Property Insurance Centre

Earthquake Insurance Similarly, damage caused by earthquakes, landslides, or soil shifting is not included in standard policies. Businesses in seismically active areas (such as California) must purchase earthquake insurance separately. This is particularly useful for retail businesses, restaurants, and manufacturing companies.

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Understanding Commercial Flood Insurance in the United Kingdom

Property Insurance Centre

Wales: Coastal communities, including those in the Vale of Glamorgan, have experienced storm surges that inundated local businesses. Flood damage can include physical destruction of property, inventory loss, and business interruption costs, making insurance a vital component of risk management.