What type of coverage in a commercial property policy can help a business owner with costs related to their customers' destroyed items?

Legal Liability Coverage is designed to protect a business owner from the financial repercussions of being held liable for damage to a customer's property while it is in the business owner's possession. This coverage is particularly important for businesses that handle, store, or repair customer items, as it addresses situations where accidental damage occurs, leading to a loss for the customer. For example, if a customer brings in an item for repair and it is inadvertently damaged, Legal Liability Coverage would help cover the costs associated with that loss.

In contrast, Business Interruption Coverage focuses on the loss of income a business might experience due to a covered peril disrupting normal operations, rather than dealing directly with customer property issues. General Liability Coverage primarily addresses third-party bodily injury and property damage claims that arise due to the business's operations, not specific damage to customer property in the business's care. Property Coverage generally protects the business’s own property against perils like fire, theft, or vandalism, and does not cover liabilities arising from damage to someone else's property. Thus, Legal Liability Coverage is specifically tailored to manage the risks associated with damage to customers’ items, fitting the needs outlined in the question.