Compared with the basic causes of loss form, the broad form adds coverage for:
Explanation
The broad form keeps every basic peril and adds falling objects, the weight of snow, ice or sleet, and water damage from the accidental discharge of water or steam, plus collapse as an additional coverage. Theft is not part of the broad form; it arrives with the special form's open-perils approach. Flood and earth movement are excluded on all three causes of loss forms, and mechanical breakdown needs equipment breakdown coverage.
This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- Under the building and personal property coverage form, which of these is insured as part of the building?
- A tenant pays to install new partitions and lighting in the space it leases. Under a commercial property policy that work is insured as:
- A repair shop insures personal property of others. A covered fire destroys a customer's machine that was in the shop for repair. Payment for that machine is made to:
- When a commercial property policy uses the special causes of loss form, what must the insurer do to deny a claim for direct physical loss?
- A building with a replacement cost of $600,000 is insured for $360,000 under an 80% coinsurance clause, with a $2,500 deductible. A covered fire causes $90,000 of damage. What does the insurer pay?
- A commercial property policy carries an agreed value of $750,000, a limit of $750,000 and a $5,000 deductible. A covered loss of $200,000 occurs. What does the insurer pay?
Last reviewed: · editorial process