Business property insurance offers financial protection for your buildings, business personal property, loss of business income and other issues. Farm Bureau can help with business property insurance that covers:

Buildings — includes those buildings and structures listed in the policy, completed additions, indoor and outdoor fixtures, permanently installed machinery and equipment, and items used to service and maintain the building and premises.

Business personal property — property at or within 100 feet of the described premises leased or owned and used for the covered business, tenant improvements and betterments and property of others that is in your care, custody or control if you are legally liable, subject to policy limitations. For high-value, off-premises and other special types of business property, you can purchase additional coverage ― find a Farm Bureau agent today to discuss your business needs.

With Farm Bureau, you can choose the business property coverage that best fits your needs and budget. Talk to a Farm Bureau agent to determine which option is best for you.

Replacement Cost — covers your business property up to the value listed in the policy without a deduction for depreciation

Actual Cash Value (ACV) — covers the value of your business property at the time of loss or damage with a deduction for depreciation

Additional and extended coverages available to customers with the policy at no extra charge include:

Equipment breakdown coverage — provides coverage due to electrical, mechanical or pressure equipment breakdown, including limited coverage for related losses from refrigeration contamination and spoilage

Business income and extra expense coverage — if the business is damaged by an insured cause of loss, this additional coverage begins after a 72-hour period and continues until the business is restored or coverage reaches the policy limit, whichever happens first. Coverage includes continuing overhead expenses, extra business expenses and loss of business or rental income.

Signs — both detached and those attached to the building

Valuable papers and records — including restoration of data

Fire department service charge coverage

Pollution cleanup and removal

Debris removal

These optional business property insurance coverages are available at an additional charge:

Enhancement endorsement — covers computers, money and securities, off-premises power failure, backup of sewers and drains, employee dishonesty, lock replacement and more.

Other coverage options include earthquake, inflation guard, replacement cost coverage and extension of replacement cost to personal property of others.

Protecting your business property with Farm Bureau is simple. For a business property insurance quote, talk to an agent today.