What does Coverage A include in a commercial property policy?

Coverage A in a commercial property policy specifically pertains to the buildings or structures that are at the insured location. This includes the physical premises that are owned by the insured and used for business operations. The coverage protects against loss or damage to the structure itself due to perils such as fire, theft, or certain natural disasters, as outlined in the policy.

The focus of Coverage A is on the structures themselves, emphasizing their significance in the overall business operation. While inventory, personal property of others, and business interruption are important aspects of a commercial operation, they fall under different coverage categories within a commercial property policy. Coverage for personal property typically aligns with Coverage B, while business interruption coverage is usually considered under a separate endorsement or policy entirely. Thus, understanding the specific role of Coverage A helps clarify its critical function in protecting the physical assets of a business.