The Causes of Loss-Basic Form of the Commercial Property Policy covers

Earthquake is typically not covered under the Causes of Loss-Basic Form. Instead, it usually requires a separate policy or endorsement due to the significant risk and potential for catastrophic damage associated with seismic events. As such, businesses must actively seek additional coverage to protect against earthquake-related losses.

Similar to earthquakes, flood damage is not included in the Causes of Loss-Basic Form. Flood insurance is often provided through separate policies, such as those under the National Flood Insurance Program (NFIP), due to the unique and extensive risk it poses. Businesses must plan accordingly to secure this vital coverage, as it is excluded from most standard commercial property policies.

A power failure occurring off the insured premises is also not covered by the Causes of Loss-Basic Form. This exclusion reflects the policy's focus on direct damage to property rather than indirect effects resulting from external power outages. Losses incurred due to off-premises power issues often require specialized coverage options that are not included in standard commercial policies.