Protect What’s Inside Your Business Walls

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Commercial contents insurance covers the tools, inventory, furniture & equipment your business relies on every day. Whether you're in retail, construction, or a service industry, we help protect your stuff from fire, theft, or accidents—so you can replace what’s lost & get back to work faster.

From Desks to Inventory to Equipment

Coverage for Everything That Makes Business Possible

The Stuff That Keeps You in Business

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We Match Coverage to Your Workflow

Whether your equipment is on shelves, in offices, or rotating between jobs, we’ll match coverage to how you actually use your contents.

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We Help You Avoid Gaps & Overlap

Not sure what’s covered under property or floater policies? We’ll help define your risks & prevent paying for the same thing twice—or worse, not at all.

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We Offer Options That Fit Your Budget

From replacement cost to named peril plans, we offer flexible policies with the features that matter—no unnecessary extras, no hard sell.

Office & Operational Property
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Office & Operational Property

Chairs, computers, signage, breakroom appliances—if it stays in the building, it can be insured. We’ll help you value & protect your workspace essentials.

  • Office furniture & supplies
  • Computers, monitors, printers
  • Phone & POS systems
  • Small appliances & decor
  • Custom signage or installations
Tools, Equipment & Specialty Items
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Tools, Equipment & Specialty Items

Even if your gear isn’t bolted down, it’s still critical. We’ll help cover job site equipment, moveable tools & trade-specific tech that keeps your business running.

  • Movable or portable tools
  • Job site equipment
  • Trade-specific machinery
  • Checkout, diagnostic, or scanning tools
  • Optional theft or accidental damage coverage
Stock & Inventory
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Stock & Inventory

If you carry stock for resale or production, this coverage protects it from fire, theft & other risks. Perfect for retailers, e-commerce shops, restaurants & more.

  • Merchandise on shelves or in storage
  • Raw materials & finished goods
  • Seasonal inventory fluctuations
  • Spoilage & contamination coverage options
  • Contents in transit add-ons
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What’s Covered, What’s Not & How to Tell

Commercial Contents Insurance FAQs

  • Is this the same as commercial property insurance?

    Not quite. Property insurance usually covers the building itself. Contents insurance protects what’s inside—like furniture, inventory & equipment.

  • What if my business leases the space?

    You still need contents coverage. You’re responsible for your own belongings inside, whether or not you own the structure.

  • Do I need coverage if my tools move from job to job?

    Yes—but you may need an inland marine or equipment floater to fully protect them. We’ll help you decide the right fit.



  • How do I calculate how much coverage I need?

    We’ll guide you through valuing your equipment, inventory & supplies—using replacement cost or actual cash value.

  • Is damage from power surges or water leaks covered?

    Often yes—but it depends on your policy. We’ll review what’s covered and flag any exclusions upfront.

Protect What You’ve Already Built

If something goes wrong, replacing your contents shouldn’t drain your cash flow. We’ll help you get coverage that makes recovery simple—not stressful.


Whether you run lean or carry a lot of inventory, we’ll tailor your contents policy to your risk level—so you’re covered where it counts, and not paying for extras you don’t need.

Let’s Talk Through Your Commercial Contents

Not Sure What’s Covered Inside Your Space?