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Your Business
Contents are more or less, your business property.
If you look around your site, almost all the property you see that is not permanently
attached to the building is your business contents.
In the real world, practically anything you use, own or lease for your business is
business property. In the world of insurance, your business contents are your chairs,
desks, TV, VCR, copy machine, supplies and materials you use to run your business.
Business Contents are not the buildings or the area you
occupy.
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Look around the area
you rent or lease.
Anything that you paid for or had installed at your expense that is now permanently part
of the building is the landlord's property. Examples are
shelves, rugs, tile, plumbing fixtures, lighting, signs, and playground equipment.Should you move (or be forced to move by fire,
etc), these things usually become part of the landlord's property.
Insurance for these Tenant Improvements and Betterments is
needed to protect you in case there's an insured problem and you have to have these things
replaced or repaired.
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