Which fragile item is covered for breakage under a BOP?

Which fragile item is covered for breakage under a BOP?

• A. Lenses for cameras and scientific instruments
• B. Ceramic figurines
• C. Porcelain dishes
• D. Porous glass not part of a building

Answer: (A)

The concept being tested is what fragile items a Businessowners Policy (BOP) will cover for breakage. The BOP provides limited coverage for breakage of glass in certain fragile items that the insured owns. Lenses for cameras and scientific instruments are considered fragile glass items, and they’re specifically included as covered breakage under this policy. That’s why they’re the best answer. Ceramic figurines and porcelain dishes are ceramic, not glass, so they aren’t included in this breakage coverage. Porous glass not part of a building isn’t covered because breakage coverage under a BOP applies to glass that’s part of insured property or located within the insured premises, not loose or non-building glass stored elsewhere.

The concept being tested is what fragile items a Businessowners Policy (BOP) will cover for breakage. The BOP provides limited coverage for breakage of glass in certain fragile items that the insured owns. Lenses for cameras and scientific instruments are considered fragile glass items, and they’re specifically included as covered breakage under this policy. That’s why they’re the best answer.

Ceramic figurines and porcelain dishes are ceramic, not glass, so they aren’t included in this breakage coverage. Porous glass not part of a building isn’t covered because breakage coverage under a BOP applies to glass that’s part of insured property or located within the insured premises, not loose or non-building glass stored elsewhere.