Business

Business Property Insurance

Protects your business equipment, inventory, and physical assets against theft, fire, vandalism, and weather damage.

Property Limit

Up to $500K

Theft Coverage

Included

In-Transit Coverage

Available

Replacement Cost

Optional

What does Business Property Insurance cover?

Business Property insurance is designed to help protect the physical assets your business depends on (equipment, inventory, furniture, and tools) against risks like theft, fire, vandalism, and accidental damage. Your assets may sit at a fixed location or travel between jobs. Either way, it is built to help you recover and keep operating after a covered loss.

Who needs Business Property Insurance?

Equipment And Tools

Your equipment and tools are how you earn a living, and replacing them out of pocket can stall your business. This coverage pays to repair or replace owned items damaged by covered events.

Theft And Vandalism

Break-ins and vandalism can happen at a shop, studio, or home office. Coverage is designed to help you recover so a single incident is less likely to bring your operations to a halt.

Fire And Water Damage

Fire, smoke, and water damage can destroy inventory and gear in minutes. Your policy helps cover those losses so you can rebuild your working assets.

Coverage In Transit

If you carry equipment between jobs or ship inventory, a portable equipment floater and in-transit coverage can help protect your assets while they're on the move. That matters for businesses that do not stay in one place.

What Business Property Covers

Protection for your business assets and physical property

Equipment & Electronics

Laptops, computers, cameras, tools, and other business equipment. Coverage includes theft, fire, and accidental damage.

Furniture & Fixtures

Office furniture, shelving, signage, and permanent fixtures. Protection against damage from covered perils.

Inventory & Supplies

Products for sale, raw materials, and business supplies. Coverage for theft, fire, vandalism, and weather damage.

What's included?

Coverage for owned business equipment

Inventory and stock protection

Theft and vandalism coverage

Fire and smoke damage

Water damage protection

Business interruption add-on available

Portable equipment floater option

Agreed value or replacement cost options

Why you need this

Real situations where business property insurance protects your assets

Fire damages equipment and inventory

An electrical fire destroys your home office, including $25K worth of computers and inventory. Property insurance covers replacement costs.

Thieves steal computers and tools

Burglars break into your workspace and steal laptops, cameras, and specialized tools. Business property insurance covers the replacement of stolen items.

A burst pipe soaks your workspace

A supply line lets go overnight and soaks furniture, electronics, and inventory. Business property insurance is designed to help cover the resulting water damage and the replacements.

Vandalism damages storefront

Vandals break windows and spray paint your retail space. Business property coverage covers repairs and cleanup costs.

Who is this for?

Photographer — Covers cameras, lenses, and lighting gear against theft, damage, or loss.

Photographer insurance

Food truck — Covers the truck's equipment and inventory against fire, theft, or breakdown.

Food truck insurance

Hair stylist — Covers chairs, tools, and product inventory at your chair or studio.

Hair stylist insurance

Cleaning business — Covers your vehicle, supplies, and equipment against theft or damage.

Cleaning business insurance

Contractor — Covers tools, equipment, and materials staged at a shop or job trailer against theft and damage.

Contractor insurance

Handyman — Covers the tools that travel to every job and go missing from vans and job sites.

Handyman insurance

Esthetician — Covers facial machines, steamers, and product inventory against theft, fire, and water damage.

Esthetician insurance

DJ — Covers mixers, speakers, and lighting rigs that travel to every gig.

DJ insurance

Landscaping — Covers mowers, trimmers, and power equipment that ride to every job and go missing from trailers.

Landscaping insurance

Carpenter — Covers table saws, nail guns, and hand tools at a shop or staged in a job trailer.

Carpenter insurance

See every profession we cover

What are the limits and deductibles?

Property Limit

Up to $500K

Theft Coverage

Included

In-Transit Coverage

Available

Replacement Cost

Optional

Frequently Asked Questions

What property does this policy cover?

It's designed to cover the physical assets your business depends on, including equipment, inventory, stock, furniture, and tools. Coverage applies to owned items damaged by covered causes such as theft, fire, vandalism, and water damage.

Is my equipment covered when I take it off-site or in my vehicle?

Yes, when you add the portable equipment floater and in-transit coverage. These options protect your gear while it travels between job sites or is stored away from your main location.

What is the difference between replacement cost and actual cash value?

Replacement cost pays to replace an item with a new equivalent, while actual cash value factors in depreciation. You can choose agreed value or replacement cost options depending on the protection you want.

Does this cover lost income if I cannot operate after a loss?

Standard property coverage applies to the damaged property itself. You can add a business interruption option to help replace lost income while you recover from a covered event.

How much property coverage can I get?

Policies are available with property limits up to $500,000. The right limit depends on the total value of the equipment, inventory, and other assets you need to protect.

Does Business Property cover damage I cause to a client's property?

No. This policy covers your own business property. Damage to someone else's property is handled by General Liability insurance.

Protect your gear with Business Property coverage.

Protects your business equipment, inventory, and physical assets against theft, fire, vandalism, and weather damage.

Starting at $29/month

Not sure what you need?

We'll work together to find the coverage that's right for you.

Solo entrepreneurs often bundle these products for complete protection

Covers injuries and property damage from your business operationsLearn More about General Liability
Protects against mistakes and negligence claims in your servicesLearn More about Professional Liability
Required coverage for employee injuries and illnessesLearn More about Workers' Compensation

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.