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commercial property insurance

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 Hawaii, commercial property insurance is designed to safeguard businesses against losses to their physical assets, such as buildings and their contents, due to events like fire, burst pipes, storms, theft, and vandalism. Standard policies typically cover the structure itself, inventory, technology, office furnishings, and other property integral to business operations. Additionally, outdoor features like signs and landscaping may also be included. However, it's important to note that in Hawaii, as in many other places, standard commercial property insurance policies do not automatically cover damage from earthquakes and floods. These natural disasters require separate endorsements or policies. Business owners in Hawaii should carefully review their insurance needs, especially considering the state's susceptibility to certain natural disasters, and consider purchasing additional coverage to ensure comprehensive protection.

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commercial property insurance

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Insurance

commercial property insurance

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