What event typically allows for a claims review under a commercial policy?

The event that typically allows for a claims review under a commercial policy is a natural disaster affecting the property. This is because policies are designed to provide coverage for specific perils, such as fires, floods, or storms, which can cause significant damage to commercial properties. When such an event occurs, it triggers the claims process, allowing the insured party to submit a claim for the damages incurred.

In the context of a natural disaster, the insured must demonstrate that their losses align with the coverage stipulated in the policy. This initiates the assessment of the damages and the corresponding entitlement to compensation based on the terms of the insurance agreement.

The other options, while they can impact the insurance landscape or a business's financial health, do not typically lead to a specific claims review. For instance, a business expansion might necessitate adjustments to coverage limits but does not inherently lead to claims unless it directly results in a loss. Changes in ownership, while significant, primarily affect who is responsible for the policy rather than triggering a claims review. Filing for bankruptcy protection could complicate the claims process but does not directly stimulate a claims review under the terms of the policy. Thus, the occurrence of a natural disaster remains the primary event that prompts a claims review for covered losses.