Arkansas Insurance Adjuster Practice Exam

All of the following are covered under Coverage A of a Business Owners Policy, except:

1. Owner's furniture in a rented furnished apartment

2. Building maintenance equipment

3. Flooring and floor coverings

4. Leased business personal property that must be insured

The correct answer is: Leased business personal property that must be insured

Coverage A of a Business Owners Policy covers the building itself, including its structure and permanent fixtures such as flooring and floor coverings. Options A, B, and C are all items that are typically covered under this policy. Option D, however, refers to leased business personal property that must be insured separately. This means that while leased property may be covered under a Business Owners Policy, it is not automatically included in Coverage A and must be insured separately. Therefore, D is the correct answer.