Business Property
Your building, equipment, inventory, and the income you lose without them.
Apply for Business PropertyAbout 12 minutes
Business Property covers the physical things your operation runs on and, just as importantly, the revenue that stops when they are damaged. In South Florida the windstorm and flood terms matter more than the headline limit — we walk through every deductible before you bind.
What it covers
- Buildings you own, and improvements you have made to leased space
- Equipment, machinery, furniture, and inventory
- Business income and extra expense while you are shut down
- Fire, theft, vandalism, and water damage from plumbing
- Windstorm, subject to a separate hurricane deductible
What it does not cover
Stated plainly, because finding out at claim time is how people end up suing their broker.
- Flood — this requires a separate NFIP or private flood policy
- Earth movement, unless specifically endorsed
- Property in transit or off-site — that is Inland Marine
- Gradual wear, rot, and pest damage