Commercial Property Insurance
Commercial property covers the physical assets of your scooter business — your shop or showroom, charging and service equipment, tools, fixtures, and supplies — against fire, theft, and other covered perils.
Commercial Property for Scooter & Moped Businesses
Your business runs on more than the fleet. A rental shop, dealership, or fleet operation has a storefront or warehouse, charging stations and batteries, service tools and lifts, point-of-sale systems, parts inventory, and fixtures. Commercial property insurance protects those assets when a covered loss occurs.
What's Covered
- Building & tenant improvements: Your owned building or leasehold build-out
- Business personal property: Tools, lifts, charging equipment, POS, and fixtures
- Parts & accessory inventory: Helmets, parts, and accessories held for sale
- Batteries & charging infrastructure: Critical and high-value for e-scooter operations
- Equipment breakdown: Mechanical and electrical failure of critical systems
- Business interruption: Lost income and continuing expenses after a covered shutdown
Charging & Battery Exposure
E-scooter and e-moped operations carry meaningful fire risk from lithium battery storage and charging. Carriers will ask about your charging setup and storage practices. We help you understand those expectations and place property coverage that reflects how your operation actually runs.
Business Interruption Matters
If a fire or covered loss shuts down your shop or charging hub, business interruption coverage replaces lost revenue and covers ongoing expenses while you rebuild — so a property loss in season doesn't become a closure.
What's Covered
Frequently Asked Questions
Yes — charging infrastructure, batteries, tools, and fixtures can be covered under commercial property. Because lithium batteries carry fire risk, carriers will ask about storage and charging practices, and we help you meet those expectations.
For most operators, yes. If a covered loss shuts you down, business interruption replaces lost income and covers ongoing expenses while you recover.