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There are some items on your commercial property checklist that is more miscellaneous in nature but still should be considered in your overall risk management thought process. Fixtures and furniture is one of those items as is mobile property. Usually as a tenant in the building most tenants typically do some modifications of the fixtures or add their own custom built-ins to the building. Unless the fixtures are mobile in nature they typically are considered built-ins. At the end of the lease it is usually very difficult for the tenant to take the fixtures with them as it can cost more to disassemble them than to just leave it. The tenant improvements and betterments then become the property of the landlord. Most businesses tend to ensure their furniture but might not be aware of the inherent value of the fixtures and they might not be providing the appropriate coverages for the fixtures. The premiums for contents are much higher than the premium for building coverage as a composite rate per thousand dollars of value. What that means for you as the client is that providing coverage for fixtures is very inexpensive as compared to the insurance premium for the contents portion as you can include the fixtures as part of the cheaper building premium. Fixtures and furniture's should go hand-in-hand with your commercial property checklist of miscellaneous coverages to be on the lookout for. Mobile equipment is also another item to be cognizant of when insuring your property. Property that is mobile and transitory in nature can sometimes be elusive in your consideration for providing protection for these items. Usually for mobile and transitory contents you will need special coverages that are normally not provided in the typical commercial property insurance policy. Because the contents are mobile and transitory by nature there are unique perils and circumstances that are involved that are typically not present with fixed items that are in a building or warehouse. Various entities can have access to this mobile property and there will be unique loss exposures but come into play that would require unique coverages in order to offer the protection that is needed. Items that are off premise can be used by the employer, the employees, clients, and a host of others that can put the property in a place of exposures to loss. Property that is in the care, custody and control of others opens up multiple liability issues by law and by contract. It is common to use what is called an inland marine policy to adequately cover these types of transitory contents. Your basic property insurance policy is not going to provide the breadth of coverage that is usually needed with regards to mobile commercial property. R. Glenn Matsen, CEO, MBA, CPCU, ARM, CLU, ChFC has over 33 years of risk management experience in providing insurance solutions for the small business owners needs. His website contains detailed information on Commercial Insurance [http://commercialinsurancequotes.org] and Small Business Insurance Quotes [http://commercialinsurancequotes.org].