Louisiana Insurance Adjuster Practice Exam 2025 - Free Insurance Adjuster Practice Questions and Study Guide

Coverage B in a commercial property policy specifically addresses "business personal property" but typically excludes certain types of property that are considered fixtures. Fixtures are items that are permanently affixed to the building or structure, such as built-in furniture or cabinetry, which are considered part of the real estate rather than personal property. This means that they are not covered under Coverage B, as this section focuses on movable or personal items, rather than those that are permanently installed and integrated into the building.

The other options refer to more mobile or business-consumable items. Inventory stored within the building is clearly business personal property and is covered. Machinery that is not affixed would also fall under Coverage B because it can be moved and is used in the business operations. Lastly, the personal property of the business owner, as long as it is used for business purposes, is also typically covered.