Commercial property insurance covers direct and indirect losses related to properties. Commercial property insurance may be characterized as first-party coverage against economic loss arising from damage to tangible property, such as building structures and personal property associated with such structures.

A contract of commercial property insurance must contain declarations, common policy conditions, commercial property conditions, a coverage form, and a causes of loss form. In addition, various endorsements may be attached to restrict or expand the coverage provisions of these basic forms.

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