What does the Cause of Loss-Broad Form cover under the commercial property policy?

The Cause of Loss-Broad Form under a commercial property policy is designed to provide coverage that goes beyond the Basic Form by including a wider range of perils. Specifically, it covers all the perils included in the Basic Form, which typically consists of risks such as fire, lightning, explosion, and theft, among others. In addition to these, the Broad Form includes several additional perils that offer more comprehensive protection. This expansion means that policy holders benefit from both the foundational and supplementary risks, which can significantly enhance the protection of their property against various forms of damage.

The option stating that it covers additional perils, along with those in the Basic Form, accurately captures the essence of the Broad Form's purpose. Therefore, it is the most comprehensive choice, reflecting the enhanced coverage that a business would expect under this particular policy option.