Under a commercial property policy, what must an insured do to be covered for the peril of freezing?

To be covered for the peril of freezing under a commercial property policy, the insured must maintain heat in the building. Insurers typically impose certain conditions to mitigate losses associated with extreme weather conditions, such as freezing. By keeping the building heated, the insured reduces the risk of pipes freezing and bursting, which can lead to significant water damage and property loss.

Maintaining heat is a proactive measure that demonstrates the insured's commitment to preventing damage and is often a requirement outlined in the policy. Insulating pipes or installing a heating system, while beneficial, are not outright requirements under most standard commercial property policies. Likewise, removing all water from the premises might not be practical or necessary as a condition for coverage, so maintaining heat is the most relevant criterion for ensuring coverage against freezing perils.