What does Commercial Coverage A primarily cover?

Commercial Coverage A primarily covers buildings and structures that are owned by the insured. This includes not just the physical building itself but also any attached structures, such as garages or other facilities that are a part of the property. Coverage A is essential for protecting the physical assets of a business in the event of perils such as fire, vandalism, and other risks commonly addressed in a commercial property insurance policy.

By focusing specifically on buildings and structures, this coverage ensures that the primary investments of a business entity are safeguarded against loss or damage. It is distinct from other coverages that may deal with personal property, debris removal, or property belonging to others, meaning that the scope of Coverage A is specifically designed to address the infrastructure that supports the business's operations.