Property insurance should include a broad form of coverage to protect you from a wide variety of losses which should include:

Buildings: Coverage would be required here if you own the building your business occupies. In the event you lease premises, your landlord should provide this coverage.

Business Personal Property Coverage includes your tables, desks, chairs and equipment. Also, you will want to include the tenant's improvements you might make to leased premises. An example would be a room divider you add, or a display case, or a custom built counter that forms part of reception area for your clients. Another component within your policy can be a loss of income rider that will compensate you a portion of your income that was lost as a result of the property damage.

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