Business Contents Insurance

Everything inside the four walls, covered.

Business contents coverage protects what fills your premises: furniture, computers, machinery, stock, and improvements you've made to a leased space — against fire, theft, water, and the perils that empty a room faster than it filled.

We size contents limits from real replacement costs and pair them with the interruption coverage that keeps revenue alive while contents are replaced.

What's covered

Furniture, fixtures, and office equipment
Computers and electronics
Stock and inventory, with seasonal increases
Leasehold improvements to rented premises
Equipment at replacement cost, not depreciated value
Contents temporarily off-site or in transit

Good to know

Frequently asked questions

Are leasehold improvements mine to insure or the landlord's?: Yours — improvements you made or inherited in a leased unit (flooring, walls, fixtures) are the tenant's to insure, and leases say so explicitly. It's the most under-insured item in small-business coverage.
Replacement cost or actual cash value — which should I choose?: Replacement cost, almost always: it rebuys new without depreciation deductions. ACV saves modest premium and costs dearly at claim time.
Is my equipment covered when I take it to a client site?: Only within your policy's off-premises limit, which is often small — if gear travels regularly, a floater extension covers it properly wherever it works.

Insurer partners

Insurers we compare for business contents insurance

We shop these partners to find the right coverage and price for you.

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Frequently asked questions

Are leasehold improvements mine to insure or the landlord's?

Yours — improvements you made or inherited in a leased unit (flooring, walls, fixtures) are the tenant's to insure, and leases say so explicitly. It's the most under-insured item in small-business coverage.

Replacement cost or actual cash value — which should I choose?

Replacement cost, almost always: it rebuys new without depreciation deductions. ACV saves modest premium and costs dearly at claim time.

Is my equipment covered when I take it to a client site?

Only within your policy's off-premises limit, which is often small — if gear travels regularly, a floater extension covers it properly wherever it works.