Which item is NOT covered under Coverage A of a Business Owners Policy?

Coverage A of a Business Owners Policy (BOP) primarily extends protection to the physical structure of the building, along with certain fixtures and improvements made to that structure. It typically encompasses various types of property owned by the business, including fixtures—permanent adaptations or improvements to the building—and personal property like inventory and equipment essential for business operations.

In this context, building maintenance equipment, which is generally considered to be equipment used for maintaining the premises rather than being part of the property used in the course of business operations or directly associated with the building structure itself, may not typically be included under Coverage A. This is especially true if the equipment is not permanently installed or fixed to the property.

Conversely, property held for sale is directly associated with the operation of the business and thus covered. Personal property while in use typically refers to items necessary for the operation of the business and is also covered. Fixtures and improvements are specifically included under Coverage A as they enhance the value of the building.

Understanding these definitions clarifies why building maintenance equipment is categorized differently and why it is the item not covered under Coverage A.