Protect the property that keeps your business running.

For eligible businesses, a BOP can package three core coverages — general liability, commercial property, and business income — into a single policy. It is often simpler to manage and can cost less than buying each coverage separately. Not every business qualifies, and additional coverage may still be needed.

A BOP can fit businesses with more typical risk that want simplicity and potential savings. Standalone policies let you size each coverage on its own, which can suit more complex or higher-risk operations. We help you compare both against your exposure.

Business income coverage, also called business interruption, may help replace lost revenue and pay ongoing expenses while you cannot operate after a covered loss, subject to policy terms and any waiting period. It is included in many BOPs and can often be added to a standalone property policy.

It depends on your building value, contents, location, limits, and other factors. Because we are independent and compare many carriers, we help you weigh coverage options against your exposure and budget. A short conversation gives you a clearer picture.

Not always. Standard property coverage may be limited once tools or equipment leave the insured location. Inland marine or equipment floater coverage can protect movable property in transit and at job sites.

Usually not in a standard commercial property policy. Flood and earthquake coverage commonly require separate policies or endorsements, depending on the location and carrier.

Build an inventory of equipment, furniture, stock, improvements, and replacement costs. Accurate values help prevent coinsurance penalties and reduce the risk of being underinsured after a loss.

Often, yes. Even as a tenant, the equipment, inventory, furniture, supplies, and any tenant improvements you use are generally your responsibility, not your landlord’s. Commercial property coverage can help protect that business personal property from covered causes of loss.

Generally not. A landlord’s policy typically protects the building owner’s interest in the structure — not your equipment, inventory, or other business property inside it. Those exposures usually need your own coverage.

Business personal property generally means the movable property your business uses — equipment, furniture, inventory, supplies, computers, and certain machinery — as opposed to the building itself. It is one of the most important exposures for tenants to insure.

Replacement cost generally focuses on repairing or replacing covered property with comparable property, while actual cash value generally reflects depreciation. The valuation method on your policy can materially affect a claim payment, so it is worth confirming which applies.

Property insurance helps protect your business’s own physical property. General liability addresses certain third-party bodily injury, property damage, and related claims. They solve different problems, and many businesses carry both — sometimes together in a BOP.

Theft and many kinds of sudden water damage, such as a burst pipe, are commonly covered causes of loss, subject to policy terms and exclusions. Flood, however, is generally excluded and usually requires a separate flood policy. Coverage depends on the policy form and endorsements.