Property insurance typically excludes coverage for damage due to regular wear and tear, gradual deterioration, or aging of the property.
Intentional Damage:
Damage caused intentionally, such as acts of vandalism committed by the policyholder, is generally excluded from coverage.
War Damage:
Damage caused by war , or nuclear events may be excluded from coverage.
Employee Theft:
Property insurance typically does not cover theft or dishonest acts committed by your employees. However, you can consider adding employee dishonesty coverage as an endorsement to your policy.
Business Vehicles:
Property insurance generally does not cover damage to vehicles used for business purposes. Commercial auto insurance policies are necessary to cover vehicles owned or used by your business.