Which of the following additional coverages is typically not included in a businessowners policy?

A businessowners policy (BOP) provides a range of coverages designed to protect small to medium-sized businesses. Among the additional coverages commonly included are preservation of property, fire department service charges, and debris removal. These coverages are meant to help businesses manage costs associated with unexpected incidents or damages.

However, earthquake coverage is usually not included as part of a standard businessowners policy. This is because earthquakes can lead to significant and widespread damage, and are thus considered a separate risk requiring specialized coverage. Businesses located in areas that are prone to seismic activity typically need to purchase additional earthquake insurance to ensure they are adequately protected against potential losses resulting from such events. Therefore, if a business requires protection against earthquakes, it should seek to obtain this coverage separately.