Business Contents Insurance: Protect what’s not nailed down
If your building is insured, good. But what about everything else needed for church and ministry?
If it's worth keeping, it's probably worth insuring.
Business Contents? What's that? Whether you're a business, nonprofit, church or institution, business contents insurance is a must. "Business contents" are defined as things inside your building that aren't part of the building/structure itself. An easier, but less precise way of saying this is: Anything that's not nailed down is "business contents." This includes furniture, computer equipment, historic artifacts, statues, art, kitchen appliances, chairs and pews, instruments, sound and lighting equipment and more. If it's worth keeping, it's probably worth insuring. In the event of a big loss, knowing your contents are covered gives peace of mind.
WHAT ARE BUSINESS CONTENTS?
Business contents include furnishings, equipment, artifacts and other items that are not part of the building/structure itself. This is not a complete list, but business contents include:
Chairs
For your auditorium, classroom and meeting spaces.
Tables
Used throughout your building.
Appliances
In your kitchen and throughout the building.
Items in trailers or storage units
Whether they reside on your property or not, items stored elsewhere can be stolen or damaged.
Soundboards and Lighting
And related equipment.
Musical Instruments
Instruments and equipment that belong to the church.
Unique or historic instruments or artificats
Pipe organs, paintings, statues and other items of historic or artistic value.
Pews and furniture
Office furniture and equipment
Computers
Printers and accessories.