Property policies are usually flexible. You can add, remove, or change coverage as needed through a series of endorsements. Dependent on your industry, this coverage can be purchased separately or included in a BOP policy.  Additionally, another part of commercial property insurance consists of time element coverage. Losses are directly proportional to the period of time it takes to repair damaged property. Unfortunately, Losses surge as the time required to make repairs increases. Coverage such as business interruption, extra expense and leasehold interest coverage help to stop the compounding effect of a claim + losing operation time.