Which peril is included in the Special Causes of Loss form but not in Basic or Broad?

Which peril is included in the Special Causes of Loss form but not in Basic or Broad?

• A. Falling objects
• B. Fire
• C. Smoke
• D. Vandalism

Answer: (A)

Special Causes of Loss uses open-perils coverage, meaning it covers direct losses from almost any cause unless the policy specifically excludes it. Basic and Broad forms, on the other hand, are named-peril coverages with fixed lists of covered perils. If a peril isn’t listed in Basic or Broad, it won’t be covered there, but it would be covered under the Special form unless excluded. Falling objects isn’t one of the perils typically listed in Basic or Broad, so it would be covered under the Special open-perils form. Fire, Smoke, and Vandalism are explicitly named in Basic (and remain covered there), so they’re not exclusive to the Special form.

Special Causes of Loss uses open-perils coverage, meaning it covers direct losses from almost any cause unless the policy specifically excludes it. Basic and Broad forms, on the other hand, are named-peril coverages with fixed lists of covered perils. If a peril isn’t listed in Basic or Broad, it won’t be covered there, but it would be covered under the Special form unless excluded.

Falling objects isn’t one of the perils typically listed in Basic or Broad, so it would be covered under the Special open-perils form. Fire, Smoke, and Vandalism are explicitly named in Basic (and remain covered there), so they’re not exclusive to the Special form.