Select your state

Insurance

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 Louisiana (LA), commercial property insurance is designed to protect business owners from financial losses due to damage to their physical assets. This includes coverage for the building itself, as well as its contents and exterior features. Standard policies typically cover a range of perils such as fire, water damage from burst pipes, storms, theft, and vandalism. However, it is important to note that in Louisiana, as in many other states, standard commercial property insurance policies do not automatically cover damage from earthquakes and floods. These natural disasters require separate or additional coverage, which must be explicitly added to the policy. Business owners in Louisiana should carefully review their insurance policies and consider their geographic location and risk factors when deciding whether to purchase additional coverage for earthquakes and floods.

Legal Articles

State Statutes

Individual & Family Legal Plan

As a LegalFix member, you'll get expert legal services from a local law firm that treats you like an important client. Don't wait—be prepared for life's inevitable legal challenges starting today. And ask your employer, credit union, or membership group about preferred pricing opportunities.

Insurance

commercial property insurance

Individual & Family Legal Plan

Articles

Louisiana State Code

Louisiana State Code

Articles

Insurance

commercial property insurance