To obtain this type of insurance policy, businesses must provide information about their operations and details about their property. This may include the square footage of the building and its contents, location of the premises, estimated replacement value of all items covered under the policy, security systems in place, whether there are any hazardous materials stored on-site such as flammable liquids or explosives, previous claims history and more. Businesses should also be aware that there are certain types of risks which may not be covered under a standard semi-commercial property insurance policy. These include flood damage or other losses resulting from weather-related events like hurricanes and earthquakes.

Businesses need to review their policy carefully before purchasing them as different insurers may use varying definitions when describing what is covered under semi-commercial property insurance. It is advisable to speak with an experienced broker or insurance agent who can guide you through the process and help identify any gaps in your coverage. Furthermore, policies should be regularly reviewed to ensure adequate protection against changing needs and conditions.