Coverage Overview

BPP Coverage by Asset Class

Six classes of business personal property, each covered properly — so contents, equipment, inventory, improvements, and breakdown are never overlooked or under-insured.

Business Personal Property Insurance

Business Personal Property (BPP) insurance covers the movable property your business owns and uses — the contents, equipment, inventory, furniture, and improvements inside your premises. If the building itself is your landlord's concern, the things inside it are yours — and that's exactly what BPP protects.

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Contents & Furniture Coverage

Contents and furniture coverage protects the movable furnishings, fixtures, and supplies your business owns — desks and chairs, display fixtures, decorations, and the everyday items that make your space functional. For offices, retail stores, and service businesses, contents and furniture are often the bulk of the business personal property on the balance sheet.

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Equipment & Machinery Coverage

Equipment and machinery coverage protects the tools, machines, computers, and production equipment your business relies on. For manufacturers, contractors, restaurants, medical practices, and tech-heavy offices, equipment is the single most valuable class of business personal property — and the one whose loss would most quickly stop revenue.

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Inventory & Stock Coverage

Inventory and stock coverage protects the goods your business holds — finished inventory, raw materials, work-in-process, and stock held for sale. For retailers, wholesalers, and manufacturers, inventory is often the largest single class of business personal property, and its value can swing dramatically through the year.

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Tenant Improvements & Betterments

Tenant improvements and betterments (TIB) coverage protects the leasehold improvements you've made to a space you rent — built-out walls, custom fixtures, installed flooring, upgraded electrical, and other permanent improvements that become part of the premises. You paid for them, but they're attached to a building you don't own — and that's exactly the gap TIB coverage fills.

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Equipment Breakdown Coverage

Equipment breakdown coverage pays to repair or replace equipment that fails from mechanical or electrical causes — a burnt-out compressor, a seized motor, a fried circuit board, a short in the electrical panel. Standard Business Personal Property coverage excludes breakdown, so without this coverage, an internal failure is an uninsured loss.

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Not sure which classes apply to your business?

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Protect Everything Inside Your Business

Get a specialized business personal property insurance quote in one business day. We shop A-rated carriers and structure the right valuation — Replacement Cost or ACV — for your property.

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