Property insurance should include a broad form of coverage to protect you from a variety of losses. It should include, but may not be limited to:

• Buildings: Coverage would be required here if you own the building your business occupies. In the event you lease premises, your landlord should provide this coverage.
• Business personal property includes your furniture and equipment. You'll want to include the improvements or additions you might make to leased premises.
• Loss of Income
• Earthquake , Flood (if available/applicable) etc.

Note: that an all-risk policy can be structured to cover all of your equipment, including computer hardware and software, plus your valuable records. A properly written policy will include loss of income that might result from breakdowns, as well as loss of income from other hazards that would temporarily close down your business.

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