Question 116

The copy machine in a restaurant's back office would be covered under Coverage B of the Business Owners Policy.

Coverage B of the Business Owners Policy typically encompasses personal property used in the business, which includes equipment like a copy machine located in the restaurant's back office.

A) The copy machine in a restaurant's back office

This option is correct because Coverage B protects business personal property, which includes equipment and tools necessary for the operation of the business. A copy machine is essential for administrative tasks and thus qualifies for coverage under this section.

B) The office building's ventilation system

This option is incorrect as the ventilation system is part of the building's structure and is typically covered under Coverage A, which addresses the building itself rather than its contents or equipment.

C) The lawn in front of the main office

This option is incorrect because the lawn is considered part of the premises and not personal property used in the business operations. Coverage B does not extend to landscaping or outdoor features.

D) Stock certificates kept in the office safe

This option is incorrect as stock certificates are not considered personal property used in the business. They are financial assets and do not fall under the coverage provided by Coverage B, which is focused on tangible business property.

Conclusion

The copy machine is the only option that fits the criteria for Coverage B, which covers personal property necessary for business operations. In contrast, the other options either pertain to structural elements of the building or are not classified as business personal property, thereby making them ineligible for Coverage B.