Commercial property insurance

Commercial property insurance
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Speak with a licensed insurance agent: 1-866-283-7545

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Monday – Friday, 7am – 10pm ET M–F, 7a –10p ET

Why do I need commercial property insurance?

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?

  • Business equipment
  • Tenant improvements
  • Coverage in and away from the office
  • Accidental damage
  • Personal effects
  • Lost business income and extra expense
  • Electronic data
  • Interruption of computer operations
  • Valuable papers and records
  • Forgery or alteration
  • Accounts receivable
  • No deductions for depreciation


What is not covered?

  • Earthquakes, floods and volcanoes
  • Dishonesty
  • Utilities
  • Errors or omissions
  • Computer testing, installation or repair

Hiscox business property and equipment insurance does cover:

Business property and equipment insurance does not cover:

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

Get Liability Insurance that best meets your needs

  • General

    The basic protection for claims against your business.

  • Professional
    Liability (E&O)

    Protection for specific risks in your field.

  • Business
    Owners Policy

    General Liability plus coverage for property.

  • Cyber

    Protection from cyber-related security risks.

  • Workers

    Protection for employees who are injured or become ill on the job.

  • Short-Term

    Purchase coverage for a specific period of time.

  • Medical
    Malpractice (E&O)

    Protection for claims against your medical practice.

  • More

    Umbrella, Auto, Directors and Officers, and more.

Not sure what you need?

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Why over 500,000 small businesses choose Hiscox

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    Policies customized just for you.

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    Fast quotes, instant coverage, quick claims.

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    Supporting the courageous since 1901.

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For speech or hearing impaired customers, please dial 7-1-1.

Workers compensation insurance is subject to underwriting guidelines. Not available for all classes of business.

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 any claim is covered. Underwritten by Hiscox Insurance Company Inc., 104 South Michigan Avenue, Suite 600, Chicago IL 60603. Administered by Hiscox Inc., doing business in CA as Hiscox Insurance Agency.