Protect Everything
Your Business
Owns
Your equipment, inventory, furniture, and fixtures are the engine of your business. Business personal property insurance rebuilds them when fire, theft, or water damage strikes.
50
States Licensed
RCV
Replacement Cost
Multi
A-Rated Carriers
1 Day
Quote Turnaround
Coverage for Every Asset You Own
From the equipment on your floor to the inventory on your shelves to the buildout you paid for, we structure property coverage around what your business actually owns.
Covered in Three Steps
Value your contents
We help you total the real replacement cost of your equipment, inventory, fixtures, and improvements—so your limit actually matches what you own.
We shop the market
As an independent agency, we take your property risk to multiple A-rated carriers and compare coverage, valuation, and price side by side.
Your property stays protected
You get a policy with the right limits, replacement-cost valuation, and no coinsurance surprises—so a covered loss rebuilds your business.
Why Businesses Insure With Us
We Set Limits Correctly
Most property claims fall short because contents were under-insured. We value your property accurately so the coinsurance clause never bites.
Replacement Cost First
We default to replacement-cost valuation where it makes sense, so your claim buys new—not depreciated—equipment and inventory.
Independent—We Shop For You
We're not tied to one insurer. We compare multiple carriers to find the best combination of coverage and price for your contents.
You insure your building. Don't leave what's inside it exposed.
For most businesses, the contents are worth more than the walls. The right BPP policy makes sure a single fire or break-in doesn't set you back years.
Right Limits
Contents insured to full replacement value—no coinsurance penalty.
Improvements Too
Your leasehold buildout is covered, even though you don't own the walls.
Owner or Tenant
We draw the building-vs-contents line correctly either way.
Common Questions
What is business personal property insurance?
It's the coverage that protects the movable contents your business owns—furniture, equipment, electronics, inventory, and tenant improvements—against covered losses like fire, theft, and water damage. It's the 'contents' side of commercial property insurance.
Do I need it if I lease my space?
Almost certainly yes. Your landlord insures the building, but your contents and any improvements you've made to the space are your responsibility to insure. That's exactly what BPP covers.
What's the difference between BPP and a BOP?
BPP is a coverage for your contents. A Business Owner's Policy (BOP) is a package that bundles BPP with general liability—and usually business income—often at a discount. Most small businesses are best served by a BOP.
Protect Your Business Property Today
Get a free, no-obligation quote. Tell us what your business owns and we'll structure BPP coverage with the right limits and valuation—back to you within one business day.
Or email josh@contractorschoiceagency.com