Which insurance protects a business's own buildings and equipment from fire, storms and vandalism?
Commercial property insurance.
- Commercial property insurance ✔
- General liability insurance
- Cyber insurance
Why: Commercial property insurance covers loss and damage to company property from events like fire, smoke, wind, hail and vandalism. Liability insurance is different: it pays for harm you cause to other people.
Huh, didn't know that: The SBA points commercial property coverage at businesses with a significant amount of property and physical assets.
My landlord says we need to talk about the heating bill. I told him my door is always open.
References
Answer: Commercial property insurance. Commercial property insurance covers loss and damage to company property from events like fire, smoke, wind, hail and vandalism. Liability insurance is different: it pays for harm you cause to other people.
- SBA: Get business insurance www.sba.gov/business-guide/launch-your-business/get-business-insurance
These include fire, smoke, wind and hailstorms, civil disobedience and vandalism.
Checked 2026-10-11.
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