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There are three types of commercial property policies in Texas. The policies protect against different causes of damage, known as “perils.”
Most commercial property policies provide either replacement cost coverage, actual cash value coverage, or a combination of both.
Commercial property policies aren’t standardized in Texas. This means coverages and policy terms will vary by insurance company and by policy. If a policy doesn’t provide all the coverage you need, you can usually buy endorsements to add or increase coverage. Endorsements usually raise your premium.
The following are some typical commercial property coverages:
Commercial multi-peril (CMP) policies combine several coverages – such as commercial property, liability, inland marine, and commercial auto – into a single policy. It’s usually cheaper to buy a CMP policy than to buy the coverages individually. Business owners (BOP) policies combine property and liability coverage in one policy. BOP policies are primarily for small businesses.
Crime Coverage
You can buy several types of coverage to protect your business from crime. These are some of the common types of crime coverages.
This information provided by Texas Department of Insurance www.tdi.texas.gov