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Commercial Business Package: Commercial Liability, Loss of Income and Inventory

What includes general liability and property insurance?

General Liability and Property Package policy include general liability insurance to cover your commercial liability and property insurance for physical assets such as contents that are leased or owned. The package insurance policy may also cover loss of business income and extra expense resulting from an insured peril.

A business insurance package policy generally insures lost or damaged property for replacement value, which means you’ll receive a settlement amount sufficient to replace the property without deducting for depreciation. The property insurance portion of a general liability and property package policy also covers other people’s personal property to the extent that the business owner is legally liable for the damage.

The commercial package is also used to provide landlords with appropriate coverage for their real property and liability as a “Lessor’s Risk,” or Landlord Liability.

 
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