Commercial Property & Equipment Insurance
Commercial property insurance covers the physical assets of your shop — building or tenant improvements, lifts, dyno, diagnostic and tuning equipment, tools, and parts inventory — against fire, theft, and other covered perils.
Commercial Property & Equipment for Tuner Shops
A performance shop is a capital-intensive business. Between lifts, a dyno, ECU flashing and diagnostic gear, welding and fabrication equipment, specialty tools, and a stocked parts inventory, the equipment and contents in your building represent a major investment. Commercial property insurance protects all of it.
What's Covered
- Building: If you own your facility, coverage for the structure
- Tenant / leasehold improvements: The buildout you funded in a leased space — bays, lifts pits, paint/booth areas, offices
- Business personal property: Tools, diagnostic and tuning equipment, shop machinery, furniture, and computers
- Dyno and major equipment: Often the single most valuable item in the shop (can be scheduled)
- Parts inventory: Performance parts and stock held for sale or installation
- Perils: Fire, theft, vandalism, water, and storm damage
Don't Forget Business Income
If a fire or major loss shuts your shop, revenue stops but rent, equipment loans, and payroll don't. Business income (interruption) coverage replaces lost income and covers continuing expenses while you rebuild — critical for an equipment-heavy shop with debt service on a dyno and lifts.
Getting the Values Right
Shops routinely under-insure the dyno, fabrication equipment, and parts inventory. We help you set replacement-cost limits that reflect what it actually costs to replace your equipment and re-stock — so a major loss doesn't leave you short.
Equipment Breakdown
Mechanical or electrical breakdown of your dyno, lifts, or diagnostic systems can be added via equipment breakdown coverage — protecting the gear your revenue depends on.
What's Covered
Frequently Asked Questions
Generally no. A landlord's policy covers the base structure, not your leasehold improvements, equipment, tools, or inventory. Those are your responsibility to insure — and they're usually the most valuable things in the building.
Yes. A dyno is often the single most valuable item in a tuner shop, so we typically schedule it with the correct replacement value and can add equipment breakdown coverage for mechanical or electrical failure.