If you own your building, one of the most important coverages to consider is Building Ordinance Coverage. There are 3 types of Coverage: A, B, and C.
A: The Undamaged Portion
B: The Demolition
C: The Increased Cost of Construction
Building Ordinance Coverage is usually NOT included in a Commercial Package, but it is a very important coverage in many cases. Talk to your agent and make sure you have coverage if necessary.