Get Full Compensation for Business Personal Property Losses

 Business Personal Property (BPP), sometimes called Business Contents or Commercial Personal Property, refers to all the movable items your company owns inside your building or office. Unlike the structure itself (the walls, roof, or foundation), BPP includes everything that keeps your business running day-to-day.

• Office Equipment – computers, printers, phones, and electronics
   
• Furniture & Fixtures – desks, chairs, filing cabinets, shelving
   
• Inventory & Merchandise – products held for sale or stock for operations
   
• Tools & Machinery – specialized equipment, instruments, or shop tools
   
• Supplies – business materials, uniforms, and consumables
   
• Leasehold Improvements – upgrades or fixtures added by the tenant

• Full Documentation – We complete a thorough contents inventory with model numbers, receipts, vendor quotes, and detailed depreciation vs. replacement cost analysis.

• Loss of Use Considerations – Many policies include Business Interruption or Loss of Use coverage; we ensure these benefits are fully evaluated and applied.

• Policy Expertise – Our adjusters carefully identify sub-limits, co-insurance penalties, and exclusions insurers often use to undervalue or deny claims.

• Negotiation Strength – We challenge underpayments and push aggressively for settlements that cover true replacement costs and restore business operations.

• Local Knowledge – With experience in Southern California markets, we understand regional pricing, construction standards, and insurer tactics.

• Proven Results – Our hands-on approach consistently leads to higher payouts and smoother recovery for both residential and commercial clients.

At Paramount Public Adjusters, we help businesses recover when their essential property is damaged, stolen, or destroyed. Business Personal Property (BPP) includes everything inside your business that keeps it running — from inventory and equipment to furnishings and fixtures. 

• Burglary & Theft — stolen cash registers, safes, electronics, or merchandise
   
• Water Damage — ruined inventory, soaked office equipment, damaged stockrooms
   
• Fire & Smoke — destroyed furniture, electronics, shelving, and interior finishes
   
• Vandalism — broken display cases, graffiti, damaged fixtures
   
• Storm & Wind — roof leaks damaging machinery, outdoor inventory, or supplies
   
• Wildfire & Ash — smoke-contaminated goods, electronics, and furnishings

 Insurance companies often make the BPP claim process frustrating and confusing for business owners. Some of the most common challenges include:

• Disputed Inventory Values Insurers frequently undervalue retail stock, specialty goods, or perishables, claiming they are worth less than their actual replacement cost. This can drastically reduce your recovery.
   
• Unfair Depreciation                 Older equipment, furniture, or electronics may be written down with aggressive depreciation schedules, even if they are still fully functional and essential to your business.
   
• Overlooked Hidden Costs  Expenses such as delivery, shipping, installation, programming, or calibration of new equipment are often ignored in the initial estimate. These “soft costs” add up quickly.
   
• Coverage Denials               Adjusters may misclassify property, arguing that certain items are part of the building (real property) instead of Business Personal Property (contents), leading to partial or complete denial of coverage.
   
• Documentation Burden Businesses are often overwhelmed by the demand to produce receipts, invoices, and proof of ownership for hundreds of items — an unrealistic expectation during a loss.
   
• Delays & Lowball Offers       Insurers may stall the process with repeated requests or present quick but inadequate settlement offers in hopes that business owners accept less than they deserve.

 At Paramount Public Adjusters, we represent policyholders only — never insurance companies. Our mission is to protect your business assets and fight for the maximum settlement under your policy.

• Detailed Inventory Documentation We prepare professional, itemized lists of every stolen, damaged, or destroyed asset, supported with photos, pricing, and valuations. This eliminates insurer excuses about “insufficient proof.”
   
• Accurate Valuation                      Our experts use current market data, replacement cost resources, and industry-specific pricing guides to ensure your equipment, merchandise, and inventory are valued correctly — not at depreciated or outdated figures.
   
• Comprehensive Policy Review  We carefully analyze your insurance policy to identify coverage limits, exclusions, and endorsements. This ensures every eligible item is included and prevents insurers from exploiting fine print.
   
• Negotiation & Settlement           We challenge undervaluation's, push back against unfair depreciation, and fight denials. Our adjusters bring years of experience to the table, ensuring your claim is maximized.
   
• Time Savings for You              While you focus on getting your business back up and running, we handle the paperwork, communication, and negotiations with the insurance company.

• Free Consultation & Policy Review – We carefully evaluate your insurance policy to identify coverage benefits and potential claim opportunities.

• On-Site Inspection – Our adjusters thoroughly document all damages with photos, detailed measurements, and video evidence.

• Contents Inventory – We prepare an itemized list of damaged, stolen, or destroyed property for accurate valuation.

• Proof Organization – Receipts, vendor quotes, and supporting documents are compiled to strengthen your claim.

• Claim Filing & Management – All paperwork is submitted on your behalf, and we manage insurer communications from start to finish.

• Negotiation – We advocate for full replacement value and fight against depreciated or unfair settlements.

• Resolution – Our goal is to secure the maximum settlement your policy allows, restoring your business quickly.

• Post-Settlement Support – After resolution, we provide a complete claim file and guidance on protecting high-value items moving forward.