Arkansas Insurance Adjuster Practice Exam

The item that would NOT be covered under Coverage A of the Building and Personal Property Coverage Form in a commercial property policy is an employee's laptop used for work. This is because Coverage A only applies to physical structures and permanently attached fixtures of the insured property, such as the lumber storage shed, flooring, and heating and air conditioning system. Personal items or assets used for business purposes, such as an employee's laptop, would fall under Coverage B, which covers personal property of others. Therefore, in this case, the damage to Jenny's employee's laptop due to the fire would not be covered under the Building and Personal Property Coverage Form.