Which of the following is not considered an Additional Coverage under the Businessowners Coverage Form?

In the context of the Businessowners Coverage Form, Additional Coverages are specific coverages that are included without additional premium charges. Equipment breakdown coverage is typically not categorized as an Additional Coverage; rather, it is usually a separate endorsement that requires additional premium payment for machinery, equipment, and systems.

In contrast, coverages like fire department service charge, pollutant cleanup, and debris removal are indeed listed as Additional Coverages within the Businessowners Coverage Form. These coverages support the policyholder by addressing specific needs that arise following a covered loss, such as the expenses associated with calling the fire department in case of a fire, the removal of pollutants, and the clearing of debris after an incident.

Understanding the distinction between what constitutes an Additional Coverage and what requires a separate endorsement is essential for managing business insurance needs effectively.