What type of event typically triggers coverage under a standard commercial property policy?

Coverage under a standard commercial property policy is typically triggered by events characterized as sudden and accidental damage. This term encompasses unexpected incidents that cause physical harm to property, such as a burst pipe or a fire. The key aspect is that the damage must occur suddenly and not develop over time or result from a gradual process.

In contrast, acts of God refer to natural disasters like hurricanes or floods, which may or may not be covered depending on the specific terms of the policy. Human error can lead to loss or damage, but it does not guarantee coverage under standard policy terms unless it results in sudden and accidental damage. Wear and tear is a result of normal usage over time and is generally excluded from coverage, as insurance is not intended to address the inevitable deterioration of property due to age and use. Therefore, the emphasis on sudden and accidental damage aligns with the purpose of these policies to cover unforeseen incidents rather than predictable decline or natural events.