What is the difference between a commercial property claim and a business interruption claim?

A commercial property claim covers the physical damage to your building, equipment, contents, and other tangible assets. A business interruption claim covers the financial loss resulting from being unable to operate normally while the damage is being repaired. They are separate coverages within your commercial insurance policy and need to be documented and pursued separately. Many business owners do not realize they have both, or they accept a property settlement without ever properly pursuing the business income component. We handle both.