A commercial property policy provides coverage for real and personal property that is used in a business. This policy is often referred to as a fire and hazard policy. All forms of this insurance cover much more than fire and hazard. Coverage is available in several levels of protection, ranging from the least expensive which covers the fewest types of events to the “special” form, which provides the broadest coverage. This form of coverage does not provide automatic extensions of coverages like those found on personal policies (contents, garages, loss of income, tools, etc.). Because of this, you need an agent who takes the time to thoroughly understand your business and then offer the many options available to you.