商業火災保險所承保的保險事故為火災、爆炸引起之火災、閃電雷擊。
另外，可以約定以附加險方式承保下列的危險事故，使自身財產獲得更完善的保障。
可附加承保的附加險：爆炸險、颱風洪水險、地震險、航空器墜落、機動車輛碰撞險、罷工暴動、民眾騷擾、惡意破壞行為險、自動消防裝置滲漏險、竊盜險、煙燻險、水漬險。

Commercial Fire Insurance covers insurance events including fire, fire caused by explosion, and lightning strike.
Additionally, you can arrange for more comprehensive property protection by adding the following perils through endorsements.
Available endorsements include: Explosion Insurance, Typhoon and Flood Insurance, Earthquake Insurance, Aircraft Crash, Motor Vehicle Collision Insurance, Strike, Riot, Civil Commotion, Malicious Damage Insurance, Automatic Sprinkler Leakage Insurance, Theft Insurance, Smoke Damage Insurance, Water Damage Insurance.