Commercial Property & Equipment
Commercial property covers the physical assets that run your coating business — your building or build-out, spray rigs and proportioners, compressors, booths, materials, and tools — against fire, theft, vandalism, and more, including lost income if you have to shut down.
Commercial Property & Equipment for Coating Shops
A bedliner shop runs on expensive, specialized equipment: plural-component proportioners, heated hoses, spray guns, compressors, ventilation and booth systems, and a stock of pricey coating material. Commercial property insurance protects all of it — plus your building or tenant build-out — against fire, theft, vandalism, and other covered perils.
What's Covered
- Building or tenant improvements: Your structure if you own it, or your build-out and booth if you lease
- Spray equipment: Proportioners, heated hoses, spray guns, and pumps
- Support equipment: Air compressors, dryers, ventilation, and lifts
- Coating materials & supplies: Drums of isocyanate and resin, primers, and consumables
- Tools & shop contents: Prep tools, grinders, point-of-sale, and office equipment
- Business interruption: Lost income and continuing expenses if a covered loss closes your shop
Equipment Breakdown Option
The proportioner is the heart of the shop — if it fails, you can't spray. Many coating-shop property programs add equipment breakdown coverage for the sudden mechanical or electrical failure of that machinery, plus the income lost while it's repaired. We recommend it for any shop running automated plural-component equipment.
Valuing It Right
Specialized coating equipment can carry long replacement lead times. We write replacement-cost coverage and set business-income limits with a realistic restoration period so a fire or equipment loss doesn't put you out of business while you wait for parts.
What's Covered
Frequently Asked Questions
Does commercial property cover my spray equipment and materials?
Yes. A properly written coating-shop property policy covers your proportioner, hoses, spray guns, compressors, booth, and your stock of coating materials, along with your building or build-out. We set replacement-cost limits that reflect the real cost of your specialized equipment.
What happens if my proportioner breaks down?
Standard property excludes internal mechanical or electrical breakdown, so we add equipment breakdown coverage. It pays to repair or replace the failed machine and covers the income you lose while the shop can't spray — critical when a single proportioner runs your whole operation.