Commercial Property
Buildings, business personal property, business income, and the causes of loss forms that drive them.
Guides
Actual Cash Value vs Replacement Cost: What's the Difference?How actual cash value and replacement cost settle claims differently, plus recoverable depreciation, the 180-day ACV election, and functional replacement cost.July 16, 2026Read guide
What Is Ordinance or Law Coverage? The CP 04 05 Endorsement ExplainedOrdinance or law coverage (CP 04 05) pays code-enforcement losses your property policy excludes, from forced demolition to rebuilding to current code.July 16, 2026Read guide
What Is Equipment Breakdown Coverage and Do You Need It?What equipment breakdown coverage pays for that property insurance excludes, from mechanical breakdown and electrical arcing to steam explosion and lost income.July 10, 2026Read guide
What Is Inland Marine Insurance and What Does It Cover?What inland marine insurance covers, why it has that odd name, how floaters work, and why your commercial property policy stops 100 feet from the door.July 10, 2026Read guide
Business Income Insurance: How Coverage Works When Disaster Shuts You DownHow business income insurance replaces lost income and pays continuing expenses after covered damage, the period of restoration, waiting period, limits.July 9, 2026Read guide
Commercial Property Insurance: What It Covers and How the Forms WorkHow commercial property insurance works, what the coverage form and the Basic, Broad, and Special causes of loss forms cover, plus coinsurance and valuation.July 9, 2026Read guide
Related forms
- ACORD 140Property SectionWhat the ACORD 140 property section of the commercial application collects, how COPE data drives property underwriting, and how valuation elections work.
- ACORD 27Evidence of Property InsuranceWhat the ACORD 27 evidence of property insurance form does, how evidence differs from a certificate, and when lenders and lessors request this evidence form.
- ACORD 28Evidence of Commercial Property InsuranceWhat the ACORD 28 evidence of commercial property insurance form covers, why commercial lenders demand it over ACORD 25, and how mortgagee interests work.
- CP 00 10Building and Personal Property Coverage FormWhat the CP 00 10 Building and Personal Property Coverage Form covers, its three separate coverage categories, and why it always needs a causes of loss form.
- CP 00 30Business Income (and Extra Expense) Coverage FormHow the CP 00 30 Business Income (and Extra Expense) Coverage Form pays for lost income and extra costs while a business rebuilds after property damage.
- CP 10 30Causes of Loss Special FormHow the CP 10 30 Causes of Loss Special Form works, why open perils coverage beats the basic and broad named perils forms, and what it still excludes.