Question

When a fire burns through The Chronicle newspaper company, it takes out two permanently-installed printing presses, three employees' personal laptops, five rolls of newspaper stock, and in a twist of irony, two fire extinguishers. Which of these would be covered under Coverage A - Buildings and Structures?

A. The printing presses only
B. The employees' personal laptops
C. The printing presses and newspaper stock
D. The printing presses and fire extinguishers

Answer 1

The permanently-installed printing presses and fire extinguishers would be covered under Coverage A - Buildings and Structures, as they are a part of the building's structure and permanently attached fixtures.

Step-by-step explanation:

Under Coverage A - Buildings and Structures, only the permanently-installed printing presses and the fire extinguishers would typically be covered. This is because Coverage A generally protects the building itself and items that are permanently attached to it, like the printing presses. Fire extinguishers are also typically considered part of the building's structural components, as they are installed for fire safety and are often mounted to the walls. On the other hand, employees' personal laptops and rolls of newspaper stock fall under different categories of insurance, generally personal property or stock/inventory, which would not be covered under Coverage A.

For example, when the "fireproof" Brown Building, which was targeted by a tragic blaze, was constructed of steel and iron, the components such as fire extinguishers installed in the building were meant to be covered under such insurance that protects buildings and their fixtures. Similarly, permanently-installed equipment would be included in this coverage.