Commercial Property Insurance pay for business property that is stolen, damaged, or destroyed. It also reimburse loss of income and necessary extra expenses due to the property damage. Commercial property typically includes… Building – This usually means the structure, but it can include permanently installed fixtures, machinery, equipment etc. Contents of the building – This includes items that can be taken out, like inventory, office equipment, and other supplies. Business Property In Transit- This includes business property at trade shows, or temporarily at locations you don’t own or lease. Other people’s property. This includes items that are left in your care, custody, or control. For example, a customer might use an outlet on your premises to charge her laptop. Once it’s in your care, you could be responsible if it’s damaged.