What is generally excluded from commercial property insurance?

In the context of commercial property insurance, earthquakes and floods are typically excluded events. This exclusion is common because these types of natural disasters can lead to extremely high losses, often making them unmanageable for standard insurance policies. Insurers usually offer separate policies or endorsements specifically designed to cover these risks due to their unique nature and potential impact.

Often, businesses are encouraged to purchase additional coverage for earthquakes and floods to ensure comprehensive protection. This separation allows insurers to manage risk effectively while still offering businesses options to secure their assets against various threats. The other scenarios listed in the options often have some level of coverage provided under standard commercial property policies or can potentially be included through endorsements or additional coverages.