Question 49

The three coverages provided include the personal property of others located at the business premises.

The commercial building and business personal property form covers the buildings, the insured's business personal property, and the personal property of others located at the business premises.

A) anywhere in the United States

This option is incorrect because the coverage for the personal property of others is specifically limited to the business premises. Coverage does not extend to locations throughout the United States.

B) at the business owner's home

This option is incorrect as it suggests that personal property of others is covered when located at the business owner's home. The form does not provide coverage for properties located outside the business premises.

C) at the business premises

This option is correct because the commercial building and business personal property form explicitly includes coverage for the personal property of others located at the business premises, aligning with the terms of the coverage specified.

D) anywhere in the insured's care

This option is incorrect because it implies broader coverage than what is provided. The personal property of others is only covered when it is located at the business premises, not just anywhere in the insured's care.

Conclusion

The correct answer, C, is definitive as it accurately reflects the terms of the commercial building and business personal property form regarding coverage for the personal property of others. All other options fail because they either extend the coverage beyond the business premises or misinterpret the location requirements stated in the form.