Under the Business and Personal Property Coverage Form, all of the following are additional coverages EXCEPT:

Under the Business and Personal Property Coverage Form, all of the following are additional coverages EXCEPT:

• A. Cost to hire a night watchman
• B. Cost to preserve property
• C. Debris Removal
• D. Fire Department Service Charge

Answer: (A)

The key idea is that “additional coverages” are specific extra protections listed in the Business and Personal Property Coverage Form that extend coverage beyond the basic property loss. Debris Removal, Fire Department Service Charge, and Costs to Preserve Property are all explicitly named as these add-on coverages, each with its own purpose and limits: Debris Removal pays to remove debris after a covered loss; Fire Department Service Charge pays charges assessed by the fire department to save or protect property; Costs to Preserve Property covers reasonable costs to protect, move, or safeguard property endangered by a covered peril to prevent further damage. The cost to hire a night watchman isn’t one of the enumerated additional coverages in this form. While hiring security to protect property might be a reasonable mitigation expense, it isn’t a separately listed add-on coverage in this form, so it isn’t treated as an additional coverage under the policy.

The key idea is that “additional coverages” are specific extra protections listed in the Business and Personal Property Coverage Form that extend coverage beyond the basic property loss. Debris Removal, Fire Department Service Charge, and Costs to Preserve Property are all explicitly named as these add-on coverages, each with its own purpose and limits: Debris Removal pays to remove debris after a covered loss; Fire Department Service Charge pays charges assessed by the fire department to save or protect property; Costs to Preserve Property covers reasonable costs to protect, move, or safeguard property endangered by a covered peril to prevent further damage.

The cost to hire a night watchman isn’t one of the enumerated additional coverages in this form. While hiring security to protect property might be a reasonable mitigation expense, it isn’t a separately listed add-on coverage in this form, so it isn’t treated as an additional coverage under the policy.