We offer business property insurance that covers applicable items on a replacement cost basis. This can make a big impact for many business owners.

We can protect more than just your building. We can also offer coverage for anything permanently attached to your building, such as business equipment and fixtures servicing the premises, glass and exterior signs, lights, and clocks.

We can help protect buildings even if you don't own them. Our business property policies can cover rented and leased buildings, as well as property that you don't own, but is left in your care.

With inflation guard, you can protect yourself against the affects of inflation on construction projects for covered buildings. This provides reassurance that you have enough coverage for the true value of your business.

Damage to a client's property, either on or off your business' premises, would not be covered. For example, if your client tripped over an item in your business and broke their laptop, that claim would not be covered. Or, if your client damages a client's personal property, that would not be covered either. Check out our general liability and business umbrella policies for these types of coverages.

Damage to your or another person's property caused by a vehicular accident would not be covered by business property insurance. For example, if your company's delivery truck is damaged in an accident while delivering to clients, that would not be covered. Check out our business auto insurance for vehicle coverage. 

Flooding is unpredictable and can happen at any point in time. Business property insurance does not cover against claims related to flood damage. For example, if heavy rain causes a creek to overflow and damage your building or inventory, the claim would not be covered by business property insurance.