PROPERTY AND ASSETS
Business Contents Insurance for Stock, Fit-Out and Equipment
Your contents sum insured should reflect the real cost to replace the items that keep the business trading.
Search intent
Contents are easy to underestimate
Many businesses insure visible stock but miss tenant fit-out, shelving, computers, tools, signage, customer goods or seasonal stock increases.
For businesses comparing cover for contents, stock, equipment, fit-out and portable property.
Fit-out is overlooked
Flooring, counters, shelving, glass, signs and tenant improvements can be expensive to reinstate.
Stock values change
Seasonal peaks, imported stock and supply-chain delays can make old sums insured unreliable.
Portable items move
Tools, laptops and display equipment taken away from the premises may need separate cover sections.
Cover structure
Business contents cover to consider
We help separate what is owned, leased, borrowed or in your care so the policy reflects the asset risk properly.
Contents and stock
Furniture, fixtures, fittings, stock, equipment, tenant improvements and office contents.
Glass and signs
Shopfront glass, internal glass, signs and display areas where applicable.
General property
Portable equipment that leaves the premises, such as laptops, tools or presentation equipment.
Business interruption link
A contents loss can also stop trading, so we review gross profit and increased costs exposure.
Who it helps
Common contents-heavy businesses
Broker process
How BOK checks contents exposure
Build an asset picture
We separate stock, contents, fit-out, leased equipment and portable property.
Stress-test sums insured
We compare replacement costs, stock peaks and reinstatement costs against the current schedule.
Align policy sections
We connect contents with interruption, theft, glass, equipment breakdown and liability as needed.
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Open pageFAQs
Common questions about business contents
Is stock included in business contents insurance?
It can be, but it must be listed correctly and insured for a realistic value. We also check whether peak stock periods need to be allowed for.
Can contents cover include leased equipment?
Sometimes. It depends on policy wording and lease obligations. We identify leased or financed items before recommending cover.
Does contents insurance pay for lost income?
Not by itself. Lost income is generally handled under business interruption cover, which should be reviewed alongside contents.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.