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In Insurance 101 – Property – Casualty Basics, the American Insurance Association writes on commercial property insurance:
Commercial property policies cover buildings and the organization’s property, and include a type of coverage known as “business interruption” designed to help a company continue operating if it is put out of its office/physical plant by a covered risk. Commercial liability policies protect policyholders against financial responsibility for injury or property damage resulting from a policyholder’s premises, products, services, or other operations. One example of commercial casualty coverage is workers’ compensation, which deals with lost earnings and medical expenses of employees injured on the job.
Commercial liability policies expert witnesses may testify on commercial property losses, workers’ compensation, and other insurance issues.