Business Property INSURANCE

Bundled with General Liability to help protect your physical property.

 
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2 MIN

Business Property Insurance with Nicole

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What Business Property does & doesn't cover
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Recommendations based on stage and vertical
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Which add-ons make sense for your startup
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BECAUSE

Equipment costs for startups can range anywhere from $10,000 to $125,000.

WHEN
  • Leasing an office space
  • Launching a product or service
WHY
  • No other insurance coverage protects your startup’s property.
  • Replacing or repairing business equipment that gets damaged can be expensive.
See recommended limits based on your stage and vertical
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THE PROTECTION

What Business Property Insurance Covers

Theft
Costs to replace property stolen from your company, such as laptops or office furniture.
Loss of business income
Covers the potential lost income caused by property that was damaged.
Vandalism
Costs to repair or replace property damaged by vandalism.
Fire and smoke
Costs to repair or replace property damaged by fire and smoke.
Lightning strikes
Costs to repair or replace property damaged by lightning strikes.
Explosion
Costs to repair or replace property damaged by explosion.
Water damage
Costs to repair or replace property damaged water damage originating indoors (burst pipes, sprinklers, etc).
Work From Anywhere
Extends your business personal property coverage to off premise locations that your employees work remotely from.
What it doesn’t cover
  • Floods
  • Earthquakes
  • Sinkholes
  • Mudslides
  • Wars
  • Nuclear damage
  • Failure at a utility company
  • Normal wear and tear
  • Rental cars

FROM THE ACTUARIES

Business Property Claims Examples

Case Study
Damage and repairs to company device
Home office break-in and theft of property
Incident
The CPO of a seed stage digital identity platform drops his business laptop at a coffee shop, damaging the screen and internal components, and making it impossible to repair the computer. The company files a claim to cover the cost to replace the laptop.
Resolution
The client sends a picture of the damaged laptop and a copy of the receipt for the replacement and gets reimbursed within 24 hours.
Incident
A nutrition tech startup’s home office is broken into and two laptops and office furniture are stolen. The startup files a claim to seek coverage for the stolen items.
Resolution
The business property section of the business owners policy provides coverage for the stolen laptop and furniture, paying to replace the items without requiring the startup to provide a copy of a police report first.
Damage and repairs to company device
Incident
The CPO of a seed stage digital identity platform drops his business laptop at a coffee shop, damaging the screen and internal components, and making it impossible to repair the computer. The company files a claim to cover the cost to replace the laptop.
Resolution
The client sends a picture of the damaged laptop and a copy of the receipt for the replacement and gets reimbursed within 24 hours.
Home office break-in and theft of property
Incident
A nutrition tech startup’s home office is broken into and two laptops and office furniture are stolen. The startup files a claim to seek coverage for the stolen items.
Resolution
The business property section of the business owners policy provides coverage for the stolen laptop and furniture, paying to replace the items without requiring the startup to provide a copy of a police report first.
INSURANCE 101

What Is Startup Business Insurance and Why Do I Need It?

In the fast-paced world of startups with ever-growing risk, having insurance in place can mean the difference.
Keep reading
What Is Startup Business Insurance and Why Do I Need It?

COMPARE

Why Business Insurance from Vouch

Digital brokers
Traditional brokers
Apply in 10 minutes or less
Activate protection within 24 hours
Exclusive coverages engineered for technology companies
AM Best rating of A (Excellent)
Streamlined claims process
general liability - protection for situations like third party injuries and property damage.
general liability - protection for situations like third party injuries and property damage.
general liability - protection for situations like third party injuries and property damage.
general liability - protection for situations like third party injuries and property damage.
general liability - protection for situations like third party injuries and property damage.
general liability - protection for situations like third party injuries and property damage.
general liability - protection for situations like third party injuries and property damage.
general liability - protection for situations like third party injuries and property damage.

COMPREHENSIVE PROTECTION

Explore Insurance Coverages

General Liability Insurance
Foundational protection for the risks of running a startup.
Business Property Insurance
Protection from disaster and theft.
Directors & Officers Insurance
Protection for your founders, officers and board members.
Errors & Omissions Insurance
Protection for bugs in your product that cause financial losses.
Fiduciary Liability Insurance
Protection for mistakes with employee benefit plans.
Employment Practices Liability Insurance
Protection for allegations of wrongdoing in the workplace.
Cyber Insurance
Protection for the damages caused by data breaches.
Crime Insurance
Protection for employee theft and fraud.
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