Glass and signs: for a tenant with no building limit, exterior building glass in the tenant's care is treated as business personal property. A sign not attached to a building is property not covered unless the Outdoor Signs option applies. The Outdoor Property extension does reach detached signs, but only for fire, lightning, explosion, riot or civil commotion, and aircraft, not wind.
Mechanical breakdown: even an open perils BOP excludes mechanical breakdown. The Equipment Breakdown Protection option fills the gap, covering mechanical breakdown or electrical failure of pressure, mechanical or electrical equipment, such as the compressor in a bakery's walk-in cooler.
Computers and data: computers are business personal property. Electronic data is property not covered except under the Electronic Data additional coverage, which pays to replace or restore data destroyed by a covered cause of loss, up to its own limit.
Records:
Accounts receivable: amounts customers owe that cannot be collected because the records were damaged, plus related interest, collection and record-rebuilding costs
Valuable papers and records: the cost to research, replace or restore lost information where no duplicates exist
Limits: these additional coverages usually carry low limits. They are often enough for a typical small business and can be increased for added premium when the insured's actual needs are greater, such as a law office full of client files. They are not fixed by law, and they are separate from the business personal property limit.