What is the purpose of commercial articles insurance?

The purpose of commercial articles insurance is specifically to cover the interests of the owner in insured property. This type of insurance is designed to protect business owners by providing coverage for certain property used in business operations, such as equipment, inventory, and other assets. It helps ensure that the business can recover financially in the event of loss, damage, or theft of these important items.

The other options, while important in their own contexts, do not align with the primary function of commercial articles insurance. Liability for workplace injuries is typically addressed through workers' compensation insurance, medical coverage for employees would fall under health insurance policies, and protection against natural disasters generally involves property or casualty insurance, rather than the specific coverage focus of commercial articles insurance. By centering on the property interests of the business owner, this insurance ensures that their investments in business assets are safeguarded.