A dry cleaner has customer garments on the premises waiting to be picked up. Which coverage category under CP 00 10 most accurately responds to direct physical damage to these garments?
a.Business Personal Property
b.Additional Coverage — Pollutant Cleanup
c.Building coverage
d.Personal Property of Others
Explanation
Property owned by others but in the care, custody, or control of the named insured (such as customers' clothes at a dry cleaner) is covered under the third category, Personal Property of Others. Loss payment for that category is made to the owner of the property unless the policy states otherwise.
Law Reference: ISO Building and Personal Property Coverage Form — Personal Property of OthersThis 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 →
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Related questions on this topic
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