Which type of insurance coverage is typically not included in Commercial Property policies?

Liability coverage is typically not included in Commercial Property policies because these policies primarily focus on covering physical assets and the risks associated with property damage. Commercial Property insurance is designed to protect against risks to buildings, equipment, inventory, and other tangible items owned by the business.

Liability coverage, on the other hand, addresses a different aspect of risk — it protects the insured from claims resulting from injuries or damages that occur on their premises or as a result of their business operations. This type of coverage is generally offered under a separate policy, such as a Commercial General Liability (CGL) policy, which is specifically tailored to cover bodily injury, personal injury, and property damage claims that arise from the business's operations or premises.

In this context, the other options relate directly to property and income loss due to property-related events. Property damage coverage pertains to the rebuilding or repair of damaged property, loss of income coverage responds to business interruption caused by the unavoidable loss of property, and personal property coverage safeguards the business’s owned contents. Each of these is integral to the comprehensive protection of a business's assets, whereas liability coverage encompasses a different facet of risk entirely, solidifying the rationale for it being excluded from standard Commercial Property policies.