Coverage · 03
Property & BOP. Built for NYC fit-outs.
Your fit-out, inventory, and equipment represent more capital than most policies admit. We rebuild property schedules on replacement-cost terms — and unlock business income protection that most BOPs underwrite poorly.
What it is
Property coverage protects buildings, leasehold improvements, business personal property (BPP), inventory, and equipment. A Business Owner Policy (BOP) bundles property with general liability and business income — cost-efficient for small and mid-market operators when written correctly.
What it covers
Building & improvements
Owned buildings, tenant build-outs, and permanently installed fixtures.
Business personal property
Inventory, equipment, furniture, electronics, and supplies.
Business income
Lost revenue and continuing expenses during a covered shutdown.
Extra expense
Costs to operate from a temporary location or expedite recovery.
Common gaps we catch
- BPP scheduled at depreciated value instead of replacement cost
- No business income coverage, or limits set arbitrarily low
- Missing equipment breakdown coverage for HVAC, kitchen, and tech
- Ordinance & law gaps when NYC building codes force costlier rebuilds
- Inadequate flood / sewer backup endorsements for ground-floor operations
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