What does the Available Coverages section of a BPP policy NOT include?

The Available Coverages section of a Building and Personal Property (BPP) policy typically outlines the additional coverages that can be added or are included under the policy. Business Interruption Insurance, which is related to the financial loss a business may suffer due to a disruption in operations, is typically covered under a separate policy known as Business Income coverage or within the Business Income endorsement. This type of coverage is not included as part of the BPP policy’s standard available coverages.

In contrast, options like Valuable Papers and Records, Newly Acquired or Constructed Property, and Property Off Premises are commonly recognized coverage features that can be included in the BPP policy, providing protection for various types of assets related to business operations. Thus, recognizing that Business Interruption Insurance stands apart from the standard available coverages in a BPP policy helps clarify its unique role in commercial insurance offerings.