When a fire damages fixed printing presses within a BOP insured building, what coverage applies to those presses?

In a Businessowners Policy (BOP), Coverage A pertains to the building itself and includes the structure and any fixtures permanently attached to it. Fixed printing presses are considered part of the building's infrastructure since they are permanently installed and vital to the operations conducted within that facility. Therefore, when fire damages these fixed printing presses, they would be covered under Coverage A, which protects the physical building and its integral components.

Coverage B generally refers to personal property owned by the business that is not classified as inventory or equipment. Coverage C typically covers personal property of others while on the insured’s premises. Since fixed printing presses are directly part of the building and tied to its operations, they fall under Coverage A rather than B or C. Thus, the inclusion of the printing presses under Coverage A accurately reflects the intended protection of the BOP for structural damage and integral fixtures within the insured premises.