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Commercial Property Insurance

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Do you own your office equipment and need to make sure it is protected? Our business equipment insurance protects your computers, servers, office furniture and other business property against loss or damage.


        What is covered?


What is not covered?

  • Business equipment
  Earthquakes, floods and volcanoes
  • Tenant improvements
  • Coverage in and away from the office
  • Accidental damage
  Errors or omissions
  • No deductions for depreciation
  Computer testing, installation or repair
  • Personal effects
  • Lost business income and extra expense
  • Electronic data
  • Interruption of computer operations
  • Valuable papers and records
  • Forgery or alteration
  • Accounts receivable


Hiscox business property and equipment insurance does cover:


Business equipment

Our commercial property insurance provides coverage for loss or damage to your business equipment (e.g., computers, printers, servers, office furniture). We automatically provide $10,000 of coverage for your equipment, but you can insure up to $100,000.


Tenant improvements

With business property insurance, we cover improvements you’ve made to your office space that you can’t legally remove.


Coverage in and away from the office

You’re covered whether you stay put or are on the go. Your business equipment is insured when it's physically in your office. We also provide up to $10,000 in coverage for equipment you take away from your office such as laptops, projectors or other insured equipment.


Accidental damage

Not only do we provide insurance for equipment against risks like fire, we also cover losses due to their accidental damage.


No deductions for depreciation

Most property insurance for small businesses under this policy is valued at its replacement cost. There is no deduction for depreciation so you can replace damaged items for equipment of like kind and quality.


Personal effects

Your Hiscox commercial property insurance provides up to $2,500 of coverage, per premise, for personal items that are damaged in an insured loss such as a large fire.


Lost business income and extra expense

Hiscox business equipment insurance will pay the actual income your business loses and extra expenses incurred you incur for up to 12 months if you cannot operate your business as a result of damage to your insured equipment. This includes up to 60 days of the ongoing employee payroll expenses.


Electronic data

We provide up to $10,000 of business property insurance coverage to replace or restore electronic data that is lost as a result of an insured loss. This includes losses caused by a virus or malicious code. If you work with large amounts of valuable data, this limit can be increased by purchasing our electronic data loss insurance upgrade package.


Interruption of computer operations

If you suffer an electronic data loss as above, we will also cover up to $10,000 for the actual income your business loses and extra expenses incurred if you cannot operate your business as a result of that data loss. If you work with large amounts of valuable data this limit can be increased by purchasing our electronic data loss upgrade package.


Valuable papers and records

Our commercial property insurance will pay for loss or damage to your business’s valuable papers and records at your business premises up to $10,000 or up to $5,000 if the incident occurs away from your office.


Forgery or alteration

Hiscox will pay up to $2,500 for losses that result from the forgery or alteration of a check or similar financial document. We may also defend you, at our expense, if you’re sued for failing to honor a financial document you believe was forged. You can increase this limit by purchasing our commercial crime insurance package upgrade.


Accounts receivable

We’ll pay for lost receivables you cannot collect from your customers and extra collection expenses incurred as a result of damage to your records (e.g., invoices). We provide up to $10,000 of coverage for losses to records at your business premises and up to $5,000 for losses to records away from the premises.


Start your quote process now

If this coverage is right for your business then add this to your small business owners insurance quote online now or speak with one of our licensed advisors at 866-283-7545 (Monday - Friday, 8 am - 10 pm EST).


Business property equipment insurance does not cover:


The following describes some of the key things we don’t cover:


Earthquakes, floods and volcanoes

Business property insurance doesn’t cover you for losses caused by earthquakes, floods, or volcanoes.



We won’t cover you for dishonest or criminal acts committed by you or your employees. Destruction of property by your employees may be covered, but theft by your employees is not. You may obtain coverage for employee theft by purchasing our commercial crime package upgrade.



Your commercial property insurance will not cover losses due to the failure of a power, communication or another utility service supplier.


Errors or omissions

Hiscox won’t cover any losses due to mistakes in the programming, processing or storage of electronic data or valuable papers and records.


Computer testing, installation or repair

Any losses due to mistakes in the design, installation, testing, maintenance or modification of your computer systems are not covered.


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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


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