What does "commercial property insurance" cover?

"Commercial property insurance" specifically covers risks to a business's physical assets, which can include buildings, equipment, inventory, and other tangible properties. This type of insurance provides financial protection against various risks such as fire, theft, vandalism, and natural disasters, which could cause damage or loss of the business's physical assets. The primary focus of this insurance is to ensure that a business can recover financially from such events, enabling them to maintain operations and protect their capital investments.

The other options relate to different aspects of business risks but do not fall under the scope of commercial property insurance. Legal liability for business operations pertains to liability insurance, which covers legal claims against the business. Employee benefits and compensations and employees' health insurance coverage focus on employee welfare, which are typically addressed through employee benefits programs and health insurance plans, rather than commercial property insurance.