What is the primary purpose of commercial property insurance?

The primary purpose of commercial property insurance is to protect property owners from financial losses due to property damage or liability claims. This type of insurance covers physical assets such as buildings, equipment, and inventory, ensuring that businesses can recover from incidents like fires, vandalism, theft, or other forms of damage. It also addresses liability claims that may arise from injuries or damages sustained by third parties on the insured premises, thereby safeguarding the business's financial stability.

In the context of commercial operations, having property insurance is crucial because it helps mitigate risks associated with unforeseen events. Without this coverage, property owners could face significant financial burdens that might jeopardize their ability to operate or rebuild after a loss.

The other options provided do not align directly with the main focus of commercial property insurance. For instance, covering operational costs during a business shutdown pertains more to business interruption insurance, while health insurance for employees falls under a different category of employee benefits. Insuring against natural disasters specifically is too narrow, as commercial property insurance covers a wide range of potential risks beyond just natural disasters. Thus, option B effectively encapsulates the broader intent and application of commercial property insurance.