Which of the following is NOT one of the Additional Coverages provided under the BPP?

The Additional Coverages provided under the Building and Personal Property (BPP) section of a commercial property insurance policy are designed to offer extended support for specific situations that might arise. Among the options listed, Personal Effects Coverage is distinct from the typical Additional Coverages defined in the BPP.

Debris Removal, Fire Department Service Charge, and Pollutant Clean-Up are specifically outlined as Additional Coverages in the BPP. Debris Removal assists policyholders by covering the cost of clearing debris after a covered loss, ensuring that they can return to operations as quickly as possible. The Fire Department Service Charge provides reimbursement for charges incurred when the fire department responds to a fire at the insured location, which is necessary to safeguard the property and community. Pollutant Clean-Up covers expenses related to the cleanup of pollutants on the insured property, addressing environmental concerns that can arise from certain types of incidents.

In contrast, Personal Effects Coverage typically refers to insurance that covers the personal belongings of the insured, their employees, or other individuals, which is not generally considered as part of the BPP additional coverages. This distinction is important as it highlights the focus of the BPP on the business property itself rather than personal items, thus aligning with the core purpose of commercial property