Business Personal Property Insurance
Business personal property (BPP) insurance covers the movable contents your business owns and uses to operate: furniture, machinery, equipment, computers, tools, inventory and stock, signage, and tenant improvements. If a covered event like fire, theft, vandalism, or water damage destroys those contents, BPP coverage pays to repair or replace them. It is the contents half of commercial property insurance—and for many businesses that lease their space, it's the most important property coverage they carry.
What's Covered
- Covers furniture, fixtures, and office equipment
- Machinery, tools, and specialized equipment
- Computers, electronics, and point-of-sale systems
- Inventory and stock held for sale
- Signage and exterior business property
- Replacement cost or actual cash value options
- Covered perils: fire, theft, vandalism, water damage, and more
- Off-premises and property-in-transit extensions available
Common Scenarios
- →A fire destroys office furniture, computers, and equipment
- →Burglars steal inventory and point-of-sale systems overnight
- →A burst pipe ruins stock and electronics
- →Vandalism damages fixtures and signage
Typical Limits
Scheduled to your total contents value; replacement cost coverage recommended
Get a Quote for Business Personal Property
Our specialists will value your property and structure coverage that fits—comparing multiple carriers within one business day.
Request Free QuoteOther Coverages
Commercial Property
Broader property protection covering both your building (if you own it) and your business personal property inside it.
Business Equipment
Protect the tools, machinery, and equipment your business depends on—at your location, off-site, or in transit.
Inventory & Stock
Cover the goods you hold for sale—retail merchandise, raw materials, and finished products—against loss, theft, and damage.