Business Property & Equipment Coverage

Protection for the gear and space that keep you running

Whether you own your building, lease a storefront, or just want to protect your tools and inventory, business property insurance is essential. One fire, break-in, or burst pipe could set you back thousands. We’ll help you protect what you’ve built—from your equipment and signage to your supplies and computers—so you can focus on the work, not the what-ifs.

What Business Property & Equipment Coverage Can Cover

Tools, tech & everything in between

Business property insurance is about more than just your physical building—it protects the stuff inside that keeps your business going. Here’s what a typical policy can include:

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Building Coverage

Covers repairs or rebuilding costs if your building is damaged by fire, storms, vandalism, or other covered events.

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Business Personal Property

Includes furniture, inventory, office supplies, and other items your business owns—even if you lease your space.

A black and white drawing of a box filled with tools and gears.

Equipment & Tools

Covers machines, specialty gear, and hand tools—whether they’re stored at your shop or taken on the road.

A black and white icon of a refrigerator , speakers , television , and other appliances.

Electronics & Tech

Helps pay to repair or replace computers, tablets, point-of-sale systems, and other tech used to run your business.

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Outdoor Fixtures & Signage

Protects fencing, outdoor signs, and other exterior features that aren’t always covered in a basic policy.

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Lost Income & Extra Expenses (optional)

If a covered event shuts down your business, this can help replace lost revenue and pay for temporary relocation.

Business Property & Equipment Coverage FAQ

Straight answers from local experts

  • Do I need property insurance if I lease my space?

    Yes—even if you don’t own the building, your equipment, inventory, and furniture are still your responsibility. Business personal property coverage helps you replace everything you’ve invested in if it’s damaged or destroyed. Most landlords only insure the structure, not your stuff. We’ll help make sure there’s no confusion—or coverage gaps.

  • Does this cover my tools while I’m on a job site?

    Not always. Standard property policies usually cover tools only while they’re stored at your primary location. If you frequently transport or store them offsite, we may recommend inland marine coverage. It’s affordable and designed for mobile equipment. We’ll walk you through your options based on how you work.

  • What if my inventory is damaged by a storm or fire?

    As long as you have business personal property coverage, your inventory is typically included. Whether it’s raw materials, retail goods, or supplies, we’ll help you calculate the right amount to cover what you’ve got. Just be sure to update your limits as your business grows—especially during seasonal busy periods.

  • How is property insurance different from a BOP?

    A Business Owner’s Policy (BOP) includes property coverage bundled with general liability and other protections. Property-only policies focus strictly on your building and stuff inside. If you want broader coverage, a BOP may offer better value. We’ll help you compare both options to find the right fit.

  • How much coverage do I need for my equipment?

    That depends on the value of what you own and how much it would cost to replace. We’ll walk through your setup—what you use daily, what’s expensive to replace, and what’s most at risk. From commercial kitchen gear to woodworking machines, we’ll make sure the policy reflects the real-world cost to keep your business running.