Business Personal Property & Business Interruption coverage
is now bundled with our liability coverage!

Peace of mind for you, your business and its belongings.

Business Personal Property ("BPP") coverage protects items owned by your business such as equipment, inventory, computers, supplies, furniture, etc. from theft, fire, water damage, vandalism, hail and more.

Business Interruption & Extra Expense ("BI") coverage replaces your income and allows the ability to continue normal business operating expenses, including payroll & rent, in the event of a temporary shutdown.

$20k in FREE business personal property/business interruption coverage now comes with all liability policies*!
That's $10k in "BPP" coverage and $10k in "BI" coverage!
Choose your preferred total insurable value up to $325k for most services.

Buy Now Button


Business Personal Property (BPP)

Business Personal Property (commonly called BPP) means the movable items owned by your business (such as equipment, computers, supplies, furniture, etc.). The property could be located in your home office, office building, gym, studio or other location you work from.

BPP also includes property of others in your "care, custody, and control," which basically means their property is in your possession.

Common causes of loss include but are not limited to theft, fire, water damage, vandalism, and hail.

NOTE: This is not coverage for your building. This coverage is for your equipment and other movable business personal property.

Business Interruption & Extra Expense (BI/EE)

Business Interruption & Extra Expense insurance provides coverage when your business shuts down temporarily due to a covered loss (e.g., theft, fire, water damage, vandalism, and hail). This helps replace your income and covered expenses like rent, payroll and other financial responsibilities during times when your business is not able to operate.

Total Insurable Value (TIV)

The Total Insurable Value (commonly called TIV) is the total you want covered on the policy! Simply add together the value of your Business Personal Property and your Business Income & Expenses amounts.

Betty's Barre Studio owns $35,000 in business personal property (mirrors, barre, flooring & audio equipment used for classes) and her monthly business income & expenses are around $15,000 (rent, income, payroll). Betty will want to plan for the following coverage amount:

3 months of business income & expenses:   $45,000
Business personal property: + $35,000
Total Coverage Needed:   $80,000


  • Business Personal Property Deductible

    (for TIV under $250,000)
  • Business Personal Property Deductible

    (for TIV over $250,000)
  • Business Income Deductible

    72 hour waiting period
    This benefit begins 72 hours after the loss occurs.

Buy Now Button

Earthquake and flood are excluded on this policy. Refer to your policy documents for full details. 

*Coverage available for policies effective 7/10/2023 forward.

Additional Acquired Property

This limit is for additional property that you newly acquire during the policy period. If the newly acquired property exceeds the limit of coverage selected for your policy, then the additional coverage will apply automatically for 30 days or until the policy expires (whichever comes first).

Crime - Money & Securities

This limit covers loss of business money and securities resulting from theft or destruction while at a bank or savings institution; within the homes of you, your partners or any employees with authorized custody; at your business location; or in transit between any of these places.

Debris Removal

Debris removal means removing from a covered location any debris resulting from a covered incident. The debris must be reported in writing within 180 days of the incident.

Pollutant Cleanup and Removal

This coverage will pay the expenses to extract pollutants from land or water at your covered locations if the pollutants results from a covered incident that occurs during the policy period.

Tenant Glass

This limit covers building glass at a covered rented or leased premises caused by or resulting from a covered incident. You must be a legal tenant of the property or have a contractual responsibility to insure the glass or a contractual responsibility to pay for loss or damage to that property.