This photo is a worker standing over a case of ice cream and represents business property insurance from The Andover Companies.


Provides business owners with coverage for direct physical loss of or damage to their building and its contents.

Whether your business experiences a fire, is the victim of a break-in, or gets hit by a huge storm, the damage can be extensive. Without Business Property Insurance, getting your business and building back in working order again may require significant out-of-pocket expenditures.

This photo is of a desks and their computers and represents business property insurance from The Andover Companies.


Business Property Insurance may help business owners pay for repairs, replacements, or a full rebuild after a covered loss.

This coverage typically helps pay for costs related to repairing or replacing the following:
  • Owned or Rented Buildings
  • Completed Building Additions
  • Indoor/Outdoor Fixtures
  • Permanently Installed Machinery and Equipment
  • Business-Owned Items
  • Property Used to Maintain or Service the Building
  • Other’s Property in the Care, Custody, or Control of the Business or Business Owner
  • If You Are a Landlord, Your Personal Property in Apartments or Rooms You Furnished
  • If You Are a Tenant, Your Improvements and Betterments
This photo is of a woman giving a business man a tour of the building and represents business property insurance from The Andover Companies.


There are several ways business owners may want to expand their business property insurance coverage and tailor it to their specific building and its contents. Please talk to a local independent insurance agent about adding coverage extensions such as:

  • Valuable Papers and Records
  • Outdoor Property
  • Personal Effects
  • Business Property Off Premises
  • Accounts Receivable
  • Business Property at Newly Acquired Premises
  • Broad Form Water Damage
  • Money and Securities
  • Earthquake
  • Flood

Building Close Relationships, Close to Home
with the Agents We Serve and People We Insure

“As small-business owners, we have always chosen to place our Businessowners Policy with The Andover Companies. Their product offerings are comprehensive, and their rates are competitive. Most importantly, we feel they have always done right in protecting us. We confidently recommend Andover and are grateful for the relationship we share.”

Lindsey S.

“The Andover Companies service team is professional, personable, and extremely helpful. We’ve had our homeowners insurance with The Andover Companies for over six years and are happy to have recently added our secondary home with them in another New England state. I highly recommend insuring with them.”

Craig G.

“You can truly understand the value of your home insurance when you have a claim. My husband and I experienced firsthand how easy it was to work with The Andover Companies. A tree fell on our property, blocking the driveway. We submitted a claim with Andover and within days had a check in hand to reimburse us for the tree removal. The process was seamless.”

Lisa and Ted R.


Step 1:

Click on the Find an Agent button to search for independent insurance agencies near you.

Step 2:

Contact the independent insurance agency you would like to work with by phone or email.

Step 3:

Leave it up to your agent to uncover the best coverage solutions for your valuable property.