Commercial Property Insurance-This policy is designed to cover the physical assets of the business. These assets can consist of a variety of items but most often will include buildings, contents, tools, supplies, business inventory, money, computers and some items that are normally not thought of. These less obvious items can include company papers, lost income and business interruption expenses. These items are covered from a variety of loss situations which are typically listed as perils of coverage and would include items such as fire, smoke, wind, hail, vandalism and crime.

For non-logging business operations your policy might also include a limited amount of coverage for personal property of others that is in your control. Contrary to popular belief, homeowners policies do not normally cover any type of business property unless the home insurance policy has special provisions for the small business exposure through an endorsement that is provided at an additional cost. Logging entities would not normally have the ability to have an endorsement included on the homeowners policy for property or liability associated with the timber industry.