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 Colorado, 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, electronics, and furniture. The policy typically covers a range of perils such as fire, water damage from burst pipes, storms, theft, and vandalism. However, it's important to note that standard commercial property insurance policies do not cover damage from earthquakes or floods. Business owners in Colorado who want protection from these specific natural disasters need to purchase additional coverage or a separate policy that specifically addresses these risks. It's also worth mentioning that the exact coverage details can vary between insurance providers, so it's crucial for business owners to carefully review their policies and discuss their specific needs with their insurance agent or attorney to ensure they have the appropriate level of protection for their commercial properties.