Which item would NOT be covered under Coverage A of the Building and Personal Property Coverage Form in Jenny's commercial property policy?

Coverage A of the Building and Personal Property Coverage Form is designed to cover the building itself and any business personal property that is located within the building or in the open on the premises or within a certain distance from the building. This typically includes physical structures and items that are permanently attached or integral to the building.

The correct answer involves an employee’s laptop used for work. While this laptop is used in the course of business, it does not fall under Coverage A, which primarily protects the building and the property attached to it or owned by the business. Such personal property, like a laptop, is typically categorized under personal property of others or business personal property, which is covered differently.

On the other hand, a heating system within the building, the lumber storage shed listed on the declaration page, and newly installed flooring are all integral parts of either the building structure or items that are permanently attached to it. Therefore, these items qualify for Coverage A as they contribute to the overall property that is being insured.