Generally, property insurance policies cover damaged or completely destroyed physical assets. It could be your building that needs remodeling after a fire, or your inventory and machines that require replacement due to flooding. IT industries and other offices that rely on computers or machines can especially benefit from technology insurance policies that would protect the tools used for business. Some policies can also cover office furnishings like furniture and light fixtures. Additional provisions of this insurance may include coverage for the properties you lose to theft, fraud, or vandalism.
http://www.insureyourcompany.com/property-insurance-small-business-owners-deciding-need/