Protect the equipment, inventory, and furnishings that keep your business running, and satisfy the coverage your SBA loan and commercial lease require. Fast quotes from a tech-forward Utah brokerage.
Business Personal Property (BPP) insurance protects the movable, business-owned property inside your location, your equipment, inventory, furniture, fixtures, electronics, and tenant improvements, against covered losses like fire, theft, vandalism, and water damage. While your landlord insures the building itself, BPP covers everything you bring in to run your business.
It's also one of the most commonly required coverages for financing. If you're closing on an SBA 7(a) or SBA 504 loan, your lender will almost always require proof of property insurance, including coverage on the business assets pledged as collateral, before funds are released. The same goes for most commercial leases and equipment financing agreements. We make sure your certificate of insurance and lender's loss payable clause are structured correctly so your closing isn't delayed.
BPP is essential for retailers, restaurants, offices, medical and dental practices, salons, gyms, contractors, warehouses, and e-commerce businesses, really any Utah business with valuable contents. We write it as a standalone policy or as part of a Business Owners Policy (BOP), and we recommend replacement cost valuation so a covered loss rebuilds your operation at today's prices, not depreciated value.
With more than a decade of experience in Utah commercial real estate and over 250 completed leases in the Salt Lake Valley, we know exactly how lenders and landlords want this coverage written, and we get it done fast.
The tools, machines, and gear your operation depends on every day.
Products, materials, and supplies, on the shelf or in the back.
Desks, displays, shelving, and office contents that fit out your space.
The build-outs and betterments you invested in your leased space.
Need coverage to satisfy your SBA loan, lease, or equipment financing? Apply online in minutes and our licensed agents will compare rates across our top-rated carriers to deliver the right limits, replacement-cost valuation, and lender documentation, compliance-ready, in record time.
We handle the quoting, paperwork, certificate of insurance, and loss payable clause so your closing stays on schedule.
Through our trusted MGA partner, BTIS (Builders & Tradesmen's Insurance Services), we can quote a wide variety of business niches — from contractors and small retail shops to professional offices and specialty risks. This partnership gives us access to a network of top-rated national carriers, allowing us to deliver competitive pricing and tailored coverage options across hundreds of industries.
