Final answer:
Workers compensation is the coverage type not suitable for combination under a single business owner's policy because it generally requires a separate policy due to state-specific legal requirements and nature of the coverage.
Step-by-step explanation:
The question asks about the type of coverage that is not suitable for combination with other coverage forms under a single business owner's insurance policy.
Among the options given:
- (a) Crime
- (b) Workers compensation
- (c) Liability
- (d) Inland marine
The correct answer is (b) Workers compensation. Workers' compensation insurance is typically a stand-alone policy due to the specific legal requirements and nature of the coverage it provides. It is designed to cover medical costs and lost wages for employees who are injured or become ill on the job. This type of insurance is governed by state laws and often requires a separate policy from a business owner's policy (BOP), which typically includes property and liability coverages.