What type of insurance is designed to protect against commercial property loss due to natural disasters?

The correct choice is commercial property insurance with disaster endorsements because this type of insurance is specifically tailored to cover losses related to damage to physical property caused by natural disasters, such as earthquakes, floods, hurricanes, and similar events. This coverage is vital for businesses that own physical assets, as it helps them recover financially from catastrophic events that could otherwise lead to significant financial strain or even bankruptcy.

Commercial property insurance provides a foundational layer of protection for property damage but often needs additional endorsements for comprehensive disaster coverage. These endorsements can be specifically designed to address various natural disaster scenarios, offering coverage that may not be included in a standard policy.

In contrast, general liability insurance primarily covers third-party claims for bodily injury or property damage and does not focus on direct commercial property losses from natural disasters. Workplace insurance is generally aimed at protecting employees and may not cover property loss at all. Auto insurance, while crucial for vehicles, does not relate to property loss resulting from disasters within a commercial context. Therefore, the commercial property insurance with disaster endorsements is the most appropriate and effective option for protecting against commercial property loss due to natural disasters.