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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 Montana (MT), commercial property insurance is designed to safeguard businesses against losses to their physical assets. This type of insurance typically covers the building itself, as well as its contents, which can include items like inventory, electronics, furniture, and other equipment. It also extends to external features such as signs and landscaping. Standard policies protect against a range of perils, including fire, water damage from burst pipes, storms, theft, and vandalism. However, it's important to note that in Montana, as in many other states, standard commercial property insurance policies do not automatically cover earthquake and flood damage. Business owners seeking protection from these specific natural disasters must typically purchase additional coverage or endorsements to their existing policy. Without this additional coverage, businesses would not be compensated for losses arising from earthquakes or floods.

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commercial property insurance

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Insurance

commercial property insurance

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