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Property Coverage under a Business Owner’s Policy (BOP) protects the physical assets that keep your business running—from your building and equipment to inventory and furnishings. When a fire, theft, vandalism, or storm damages your property, this coverage helps repair, replace, or rebuild what’s been lost so your operations can resume quickly and with minimal disruption.
This coverage extends beyond just the building itself. It can include business personal property, such as computers, tools, fixtures, or even outdoor signs, depending on your policy. For many business owners, a single incident could cause tens of thousands of dollars in damage; having the right protection in place ensures your investment and livelihood are secure.
By combining Property Coverage with General Liability and Business Income Insurance in one BOP package, you get a well-rounded, cost-efficient solution designed to safeguard both your assets and your financial stability.
Our team ensures that every critical part of your operation—buildings, contents, and improvements—is protected under one comprehensive policy.
We adapt your policy to your setup, whether you rent your workspace, own multiple properties, or operate from a shared office.
When disaster strikes, we act quickly to help you recover. From filing to payout, our claims process is designed to minimize downtime and get you back in business faster.
We don’t believe in one-size-fits-all coverage. Our advisors review your assets, lease requirements, and exposures to ensure your policy evolves as your business grows.
It typically protects your building, business personal property, and contents against damage from covered perils such as fire, wind, vandalism, or theft.
Yes. Even if you lease your office or retail space, your Business Personal Property Coverage protects your equipment, furniture, and improvements made to the premises.
Standard property policies exclude these perils. You can, however, add separate endorsements or stand-alone policies to cover these risks.
Replacement cost covers the expense of buying new items of similar kind and quality, while actual cash value factors in depreciation.
Some policies include limited coverage for outdoor fixtures, but these can be expanded with optional endorsements if needed.
Your agent evaluates the replacement cost of your building and assets to ensure your limits reflect the full cost to repair or rebuild after a loss.
Because bundling it with liability and income protection provides complete business continuity—protecting not just your property, but your ability to keep serving customers.
