What is specifically covered under Commercial Property Coverage B?

Commercial Property Coverage B specifically covers business personal property that is not permanently affixed to a building. This includes items such as inventory, furniture, fixtures, and equipment that can be moved and are used in conducting the business—but are not part of the building itself.

This coverage is crucial for businesses because it ensures that assets like office equipment and merchandise are protected from risks such as theft, fire, or other damages that can occur while on the premises or in transit.

In the context of commercial property, it distinguishes business personal property from structures and equipment that are integral to the building, addressing the unique risks faced by companies that rely on movable assets to operate efficiently. Understanding this coverage helps policyholders ensure they have the necessary protection for all facets of their business operations.