Which coverage option may help Phil with the cost of repairing his locomotive damaged due to an accidental explosion?

Legal liability coverage is particularly relevant in situations where an individual or business is held responsible for damage to property owned by someone else. In this case, if Phil's locomotive was damaged due to an accidental explosion, legal liability coverage would assist him in covering the costs associated with the repairs if he is found liable for the incident. This type of insurance ensures that expenses incurred due to repairs, as a result of liability, are addressed, allowing for financial assistance in navigating the aftermath of the accident.

On the other hand, other coverage options do not directly apply to the circumstances described. Building coverage typically pertains to structures owned by Phil and would not apply to a locomotive unless it is considered part of the building itself. Business interruption coverage is aimed at compensating for lost income due to business disruptions rather than physical repairs of damaged property. Personal property coverage would cover specific personal assets but may not extend to commercial vehicles or equipment, which is what a locomotive represents. Therefore, legal liability coverage is the most appropriate option given the nature of the damage and potential liability involved.