What type of protection is typically NOT included in a standard commercial property policy?

A standard commercial property policy generally provides coverage for several perils, such as theft and fire, which are commonly faced risks in a business environment. However, natural disasters, which can include events like floods, earthquakes, and hurricanes, often require additional coverage options. These events are typically excluded from standard policies due to their severity and the potential financial impact on insurers.

Insurers often offer specific endorsements or separate policies to cover natural disasters, primarily because they can vary significantly in their likelihood of occurrence and potential damages. Businesses in different regions may face varying risks regarding natural disasters, leading to customized coverage options. By requiring additional endorsements, insurance companies can better manage risk and provide tailored solutions based on the specific needs of a business and its location.