The three coverages provided by the Commercial Building and Personal Property Form include the building, the insured's business personal property, and the personal property of others located where?

• A. Building, the insured's business personal property, and personal property of others anywhere in the insured's care
• B. Building, the insured's business personal property, and personal property of others only at the insured premises
• C. Building, and the personal property of others only in transit
• D. Building, the insured's business personal property, and the personal property of others only at the building site

Answer: (A)

The key idea is that Personal Property of Others (the coverage for property not owned by the insured) applies to property of others while it is in the insured’s care, custody, or control. That means it isn’t restricted to the insured’s premises; it covers property belonging to others wherever the insured has it under their control—on site, in transit, or at other locations the insured is responsible for.

So the best choice reflects that broad coverage: personal property of others is covered anywhere in the insured’s care. The other options limit location to the premises, in transit, or to the building site, which doesn’t capture the full scope of coverage under this form.