What kinds of events does business insurance cover?

Basic property insurance policies generally cover losses caused by fire or lightening and the cost of
removing property to protect it from further damage. “Extended perils” including windstorm, hail,
explosion, riot and civil commotion, and damage cause by aircraft, automobiles or vandalism, are
usually covered in the standard policy. Other important perils, often not covered, include earthquake
and flood damage, building collapse, and glass breakage.

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