What does property cover protect against in a packaged commercial insurance policy?

Property cover in a packaged commercial insurance policy specifically protects against damage to buildings, contents, stock, and equipment from various risks. This coverage is essential for businesses as it ensures financial protection in the event of unforeseen incidents such as fire, theft, vandalism, or natural disasters that could lead to substantial loss or damage to physical assets.

Covering physical property is a fundamental aspect of commercial insurance because a business's operations often heavily rely on its buildings and the equipment it utilizes. Any damage or loss could lead to significant interruptions, impacting profitability and overall sustainability.

The other options refer to different types of business needs. Legal fees related to business operations typically fall under liability or legal expense cover, while employee wellness programs pertain to employee benefits and insurance for staff, and marketing and advertising expenses are related to operational costs that are not specifically insured under property cover.