What does Coverage B under the BPP cover?

Coverage B under the Business Personal Property (BPP) typically focuses on covering personal property owned by the insured, which is crucial for businesses to protect their assets. This coverage includes items such as furniture, equipment, and inventory that the business uses in its operations.

Business personal property is essential for the continuity of the business since it can include critical operational items, not just physical locations. This coverage is particularly important for mitigating losses that can result from risks such as theft, fire, or other damaging events that could impact the insured's property.

In contrast, Coverage A generally pertains to the buildings themselves, while other options mentioned do not correctly align with the standard definitions associated with the BPP coverage. Therefore, understanding that Coverage B is specifically meant for the business's owned personal property clarifies its application and importance in a commercial insurance context.