Business Personal Property
What Is Business Personal Property?
Business personal property (BPP) is the movable stuff your pet care business owns and uses to work. Think tools, equipment, office furniture, and supplies. If a covered loss damages those items, Business Personal Property Insurance can pay to repair or replace them.
- Protects your gear: Clippers, dryers, grooming tables, leashes, crates, training aids, tablets, and more
- Keeps you working: A paid claim can help you replace essentials fast, so you miss fewer bookings
- You choose the cushion: Set limits and pick replacement cost (RCV) or actual cash value (ACV) so the payout matches your budget and gear value
Heads Up: BPP is about your gear, not your building, your business vehicle, or your clients’ pets. Unless you add endorsements, it’s also mostly for gear that stays in your facility rather than stuff that travels with you.
BPP is typically sold with a Commercial Property Policy or Business Owners Policy (BOP). Instead, PCI offers Equipment and Inventory Coverage (aka inland marine) as an add-on to any of our pet care policies. It lets you cover similar stuff as BPP, but you can also cover it on the move and anywhere you work.
What Qualifies as Business Personal Property (and What Doesn’t)?
BPP looks different depending on your pet care specialty. Check out these examples and exceptions.
What’s Covered (Common Examples)
- Grooming: Tables, shears, dryers, clippers, tubs, loops, banding tools
- Walking and sitting: Crates, gates, leashes, harnesses, muzzles, first-aid kits
- Training: Agility gear, targets, clickers, long lines, mats
- For everyone: Laptops, tablets, point of sale (POS) readers, signage, small furniture
What’s Not Covered (Watch-Outs)
- The building itself (that’s Commercial Property, if you own the building)
- Vehicles (that’s Commercial Auto for vans and trucks you own and HNOA for employees’ vehicles)
- Clients’ pets (that’s Animal Bailee Insurance)
- Normal wear and tear or manufacturer defects
- Anything excluded by your policy (check for endorsements or limits relating to theft and off-premises damage)
How Does BPP Work With Other Coverages?
Here’s how BPP compares to similar coverages and which might work for you.
Swipe →
| Coverage Type | What It Covers | Typical Small Biz Limits | Often Excluded |
|---|---|---|---|
|
Business Personal Property (BPP) |
Your business’s movable stuff, like dryers, small furniture, and signage. Pays to repair or replace if damaged by a covered cause. |
$10k – $50k |
Pets; vehicles; the building; normal wear and tear; manufacturer defects; limits to theft or off-premises losses |
|
Equipment & Inventory (Inland Marine) |
Gear that travels with you, like shears, agility equipment, or tablets. Designed to follow items wherever you work. |
$5k – $100k |
Pets; vehicles; normal wear and tear; mysterious disappearance; theft from unlocked vehicles |
|
General Liability (GL) |
Accidental injuries or property damage you cause to others in the course of business |
$1M per occurrence / $2M aggregate |
Your own property (that’s BPP or Tools & Equipment); injuries to employees (that’s workers comp); your advice or expertise (that’s errors & omissions); pets in your care (that’s Animal Bailee) |
Big Takeaway
Your gear is how you earn. Replacing all the stuff you need out of pocket can stall your ability to accept appointments. Business personal property insurance helps protect your investment, so you can handle covered losses like a fire or a break-in quickly and stress-free.
Keep Sniffing Around
- Tools & Equipment Coverage (Inland Marine)
- General Liability Insurance
- Animal Bailee Coverage
- Replacement Cost
- Actual Cash Value (ACV)
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for PCI, where he helps design and maintain liability coverage specifically for pet professionals. With 10+ years of insurance industry experience, he works closely with carriers, underwriters, and compliance teams to ensure PCI coverage stays accurate, responsive, and relevant to real-world risks. At home, he puts that same expertise to use wrangling his four beloved dogs
Kyle Jude is the Program Manager for PCI, where he helps design and maintain liability coverage specifically for pet professionals. With 10+ years of insurance industry experience, he works closely with carriers, underwriters, and compliance teams to ensure PCI coverage stays accurate, responsive, and relevant to real-world risks. At home, he puts that same expertise to use wrangling his four beloved dogs