You don’t need an insurance policy. You need a Business Insurance agent.
Your business property can range from office contents and sales inventory to buildings and outdoor structures. All of these items are subject to damage caused by fire, wind, explosions and burglary. But since an exposure to loss is not always so apparent, policies are often available to cover “all risks of direct physical loss.” The benefit of this approach is that a cause of loss is covered unless it is specifically excluded. These exclusions include flood, earthquake and machinery breakdown. Separate policies for flood and earthquake are available either by endorsement to your policy or from a specialty insurer. Machinery breakdown exposures exist in almost any business, and affordable coverage is widely available from standard carriers.