Florida General Lines Agent Exam 2025 – 400 Free Practice Questions to Pass the Exam

In a commercial property policy, additional coverages enhance the basic protections offered. Debris removal is one of these additional coverages, designed to cover the costs of removing debris after a covered loss, such as a fire or storm. This coverage is crucial because clean-up and removal of wreckage can be a significant expense and is often necessary before repairs or rebuilding can commence.

Debris removal specifically addresses scenarios where policyholders might face financial burdens due to the need to clear away remnants of damaged property. This coverage is automatically included in most commercial property policies, in addition to the standard protections against physical loss or damage.

The other options do not typically fall under the additional coverage category in a standard commercial property policy. Loss of income usually involves a separate form of coverage (business interruption insurance) rather than being an additional feature included in the property policy itself. Employee dishonesty refers to fidelity coverage that protects against loss due to dishonest acts by employees, which is also not part of basic coverage. Builder's risk coverage protects against damage to buildings under construction and typically requires a separate policy or endorsement. Thus, debris removal stands out as a clear component of the additional coverages offered through the commercial property policy.