Commercial Property & Equipment
Commercial property covers the physical assets of your security business — your office or warehouse, inventory of cameras and panels, tools, test equipment, and fixtures — against fire, theft, and other covered perils.
Commercial Property & Equipment for Security Businesses
Your shop holds real value: inventory of cameras, recorders, alarm panels, and access-control hardware; specialized test and programming equipment; tools; and your office build-out. Commercial property insurance protects those assets when a covered loss occurs.
What's Covered
- Building & tenant improvements: Your owned building or leasehold build-out
- Business personal property: Inventory, tools, test gear, furniture, and fixtures
- Electronics & equipment: High-value programming, testing, and demo equipment
- Equipment breakdown: Mechanical and electrical failure of critical systems
- Business interruption: Lost income and continuing expenses after a covered shutdown
Inventory Is a Theft Target
Security equipment is compact, valuable, and easy to resell — which makes your own warehouse a target. We build property programs with appropriate limits for your rotating inventory and coordinate them with your installation floater so equipment is covered both at your shop and on the way to job sites.
Business Interruption Matters
If a fire or major loss shuts down your office or warehouse, business interruption coverage replaces lost revenue and covers ongoing expenses — payroll, rent, monitoring contracts — while you recover, so a property loss doesn't become a business-ending event.
What's Covered
Frequently Asked Questions
Yes — your inventory, tools, and test equipment at your premises are covered. For materials in transit or staged at a customer's site, you'll also want an installation floater, which we coordinate alongside it.
For most firms, yes. If a covered loss shuts down your shop, business interruption replaces lost income and covers payroll, rent, and ongoing obligations while you get back up and running.