Before

After

Commercial Fire Damage Insurance Coverage

Commercial fire insurance helps to protect against expenses caused by commercial property damage from the following perils:

• • Fire
  • Lightning
  • Wind or hail
  • Explosions
  • Smoke
  • Riot or civil commotion
• • Damage by aircraft
  • Damage by vehicles
  • Sinkhole collapse
  • Volcanic action
  • Vandalism
  • Sprinkler leakage

You can also add the following options to your coverage:

• Falling objects
• Weight of snow, ice, and sleet
• Water damage
• Collapse

Finally, you can also choose to add replacement cost to your policy. It covers the actual cost of repairs or replacement without deduction for depreciation. Otherwise, your commercial fire policy will pay based on the depreciated value of the item (prior to it being damaged).