Business Equipment Insurance
For many businesses, equipment is the engine of the operation—commercial kitchen appliances, manufacturing machinery, medical or salon equipment, computers, and specialized tools. Business equipment coverage (a component of BPP, often extended with inland marine for portable items) protects these assets against damage, theft, and loss. When equipment travels to job sites or between locations, an equipment floater extends protection beyond your four walls.
What's Covered
- Coverage for machinery, tools, and specialized equipment
- Portable equipment covered off-premises (inland marine)
- Property-in-transit protection
- Scheduled high-value items by serial number
- Replacement cost coverage available
- Leased and borrowed equipment can be included
- Theft, fire, and accidental damage covered
- Equipment breakdown coverage available
Common Scenarios
- →Specialized equipment is stolen from a job site or vehicle
- →A power surge destroys electronics and machinery
- →Equipment is damaged in transit between locations
- →A fire destroys irreplaceable specialized tools
Typical Limits
Scheduled equipment values; inland marine floater for portable items
Get a Quote for Business Equipment
Our specialists will value your property and structure coverage that fits—comparing multiple carriers within one business day.
Request Free QuoteOther Coverages
Business Personal Property
The core coverage for everything your business owns inside its walls—furniture, equipment, inventory, electronics, and fixtures.
Commercial Property
Broader property protection covering both your building (if you own it) and your business personal property inside it.
Inventory & Stock
Cover the goods you hold for sale—retail merchandise, raw materials, and finished products—against loss, theft, and damage.