Commercial Property
Protect your business's physical assets — buildings, equipment, and inventory — with commercial property coverage tailored to your operations. Soma places coverage across every category, including hard-to-insure businesses.
Your business equipment, inventory, and furnishings are the engine of your operations — and replacing them without coverage can be devastating. Soma helps businesses across every industry secure Business Personal Property insurance fast, with expert guidance on what's covered, what's not, and how to get the right policy at the right price through a single streamlined application.
Comprehensive coverage solutions designed to protect every asset your business depends on, across all industries and risk profiles.
Protect your business's physical assets — buildings, equipment, and inventory — with commercial property coverage tailored to your operations. Soma places coverage across every category, including hard-to-insure businesses.
Soma's Risk Management Team analyzes your business, identifies coverage gaps, and finds the right BPP policy at the right price — replacing the slow, traditional broker process with a seamless, expert-driven experience.
From retail inventory to manufacturing equipment, Soma delivers BPP coverage customized to your industry's unique exposures — retail, healthcare, tech, construction, hospitality, and more — with one fast application.
Pair your Business Personal Property coverage with General Liability insurance to protect against third-party bodily injury and property damage claims — a critical combination for any business with physical assets.
For businesses with assets under construction or renovation, Builder's Risk coverage protects materials, equipment, and property in progress — filling the gap where standard BPP policies stop.
Complement your property coverage with Professional Liability insurance, guarding against claims of negligence or errors in services — ensuring your business is protected from every angle.
Business Personal Property insurance covers the tangible assets your company owns, leases, or uses — from computers and machinery to furniture, stock, and specialized equipment. Whether you run a retail storefront, a manufacturing facility, or a professional services firm, a single unexpected loss can halt operations entirely. Soma works with top-rated specialty carriers to structure BPP coverage that reflects the true value of your assets, ensures fast claims resolution, and fits your budget without leaving critical gaps.
See how Soma has helped businesses across every industry secure the right BPP coverage, fast.
Soma is built differently from traditional brokers — here's what sets us apart when it matters most.
Get BPP coverage quotes in hours, not weeks — one application connects you to hundreds of top-rated carriers.
Soma specializes in placing coverage others won't, including complex businesses with high-value or unusual property assets.
Our Risk Management Team analyzes your business to match you with accurate, competitively priced BPP coverage — no overpaying.
With access to carriers like Chubb, Liberty Mutual, Nationwide, and Markel, Soma finds the best BPP fit for your business profile.
Expert insurance professionals dedicated to protecting your business assets.
Soma was built to solve a problem every business owner knows too well: getting the right commercial insurance is slow, confusing, and expensive when done through traditional brokers. We set out to change that by combining deep carrier relationships — including Chubb, Markel, Liberty Mutual, Nationwide, and Kinsale — with a tech-enabled, expert-driven process that delivers fast, accurate coverage for businesses of every size and complexity. From Main Street retail shops to multi-location manufacturers, Soma's Risk Management Team has processed thousands of businesses, understanding each operation individually to place the right coverage at the right price. We specialize where others don't — complex risks, hard-to-insure industries, and businesses that standard markets routinely turn away.
Business Personal Property (BPP) coverage protects the physical assets your business owns or uses at a covered location. This typically includes furniture, fixtures, equipment, machinery, inventory, raw materials, and leased property you are contractually responsible for. It covers losses from perils such as fire, theft, vandalism, and certain weather events, up to the policy's stated limit.
Talk to a Soma insurance specialist for a free, no-obligation coverage consultation.
Recognized for transparent, trustworthy business practices.
Member of a leading commercial insurance professional association.
Partnered with Chubb, Markel, Liberty Mutual, and Nationwide certified.
Submit your details and a Soma Risk Management specialist will reach out to analyze your business assets, identify the right coverage, and deliver competitive BPP quotes — fast, with no obligation.