Contents & Furniture Coverage
The furnishings and fixtures that make your business run.
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.
What It Covers
Coverage That Fits Your Property
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.
This coverage is a core component of a Business Personal Property policy, and it's where many small businesses start. When a fire, theft, or water loss destroys the contents of your space, contents coverage is what replaces them.
Office furniture
Desks, chairs, conference tables, filing cabinets, and storage.
Display & sales fixtures
Shelving, display cases, point-of-sale fixtures, and signage.
Decorations & art
Decorations, artwork, rugs, and window treatments (subject to sublimits on fine art).
Supplies & small equipment
Office and operational supplies and smaller tools used in the business.
Replacement cost option
Replace furnishings new rather than at depreciated value.
Theft & vandalism
Coverage for theft of contents and damage from vandalism.
Why contents are under-insured so often
Most businesses guess at the value of their contents — and guess low. Office furniture, fixtures, and supplies add up quickly, and a depreciated (ACV) settlement on older furniture can fall well short of what it costs to refurnish. We help you build an accurate contents inventory and choose replacement-cost valuation so a loss actually restores your space.
How contents & furniture coverage is priced
Contents coverage is rated on the total value of the furnishings and fixtures, the valuation basis, your occupancy and industry, the building's protection, and your deductible. For a typical office or small retail store, contents coverage within a BPP or BOP often runs a few hundred to a couple thousand dollars per year.
Common Endorsements & Add-Ons
- Replacement cost on contents. Replace furnishings new at claim time rather than depreciated value.
- Fine art & valuable sublimits. Schedule high-value art and valuables above default sublimits.
- Off-premises contents. Extends coverage to contents temporarily away from the listed location.
- Theft coverage broadening. Removes or raises common theft sublimits for contents.
Contents & Furniture FAQ
Contents & Furniture — Your Questions
Yes — contents and furniture coverage within a BPP policy covers theft of your furnishings and fixtures, along with fire, wind, water damage from covered causes, and vandalism. Some policies carry theft sublimits for certain items, which we review and broaden where needed.
You need enough to replace all your furnishings, fixtures, decorations, and supplies at today's prices. We help you build an accurate contents inventory so the limit matches reality — under-insuring contents is the most common mistake businesses make.
Often yes. A Business Owner's Policy (BOP) typically bundles business personal property (which includes contents and furniture) with general liability. For many small businesses, a BOP is the most cost-effective way to cover contents.
Ready to Cover Your Contents & Furniture?
Get a specialized BPP quote. We shop A-rated carriers and structure the right limits and valuation — usually within one business day.