Business Personal Property.
Coverage options designed to help protect the business equipment, furniture, inventory, and office contents that keep your operation running.
Protect What's Inside Your Building
Even if you don't own your building, the property inside it represents a significant investment. Business personal property insurance helps protect your equipment, inventory, furniture, and other business contents from covered losses. We help Texas business owners understand their options.
What This Coverage Can Help Protect
Business Equipment
Help protect computers, machinery, and specialized equipment used in your operations.
Furniture and Fixtures
Coverage for office furniture, display fixtures, and other business furnishings.
Inventory
Help protect the stock and goods you sell or use in your business.
Office Contents
Coverage for the contents of your office, including supplies and materials.
Coverage Considerations
Tenant Improvements
Improvements you've made to a leased space may be covered as business personal property.
Valuation
Replacement cost and actual cash value options affect what you may receive after a loss.
Coinsurance
Some policies require you to insure to a percentage of your property's value to avoid a penalty.
Off-Premises Coverage
Property located away from your primary location may have limited coverage.
Who This Coverage Is For
Tenants
Businesses that lease their space but own their equipment, inventory, and improvements.
Retailers
Businesses with significant inventory investments.
Service Businesses
Businesses that rely on specialized equipment or technology.
What type of property?
Select the property type that best describes your building.
Business Personal Property Insurance Questions, Answered
Business personal property generally includes your equipment, furniture, inventory, and other movable business contents. It does not include the building itself.
Yes. Your landlord's policy typically covers the building, not your equipment or inventory. Business personal property insurance helps protect your investment.
Eligible improvements you've made to a leased space may be covered. We'll help you understand what applies to your situation.
We help you assess the value of your business property and identify an appropriate coverage amount.
Ready to Explore Your Options?
Start with a few details and let our team help with the rest.
Coverage Disclaimer: This page is for informational purposes only and does not describe any specific insurance policy. Coverage, availability, eligibility, features, discounts, and limits vary by product and jurisdiction and are subject to policy terms, conditions, limitations, and exclusions. Actual terms, limits, exclusions, eligibility, and availability depend on the selected policy and insurer. Contact Texas Commercial Property Insurance to discuss your specific situation and available options.