We recently received a question from a subscriber that highlighted the importance of making sure all structures of any type are scheduled to ensure coverage under the Businessowners or Commercial Property Programs. This led us to look into several other coverages where the complete and detailed completion of schedules could determine coverage or leave a coverage gap.

The question we received had to do with an unscheduled structure that the agent believed to be covered under the BPP section of coverage. The structure was a 24×60 Farmtech metal frame structure with a canvas cover. There are steel plates drilled into cement that are then anchored to posts holding the unit in place. The structure stays up all year. A claim for damages was submitted for collapse due to weight of ice and snow. Is this structure considered BPP, or does the fact that it is anchored into the cement make it an appurtenant structure?

No. Covered Property for building is determined to be dependent upon the schedule showing a limit of insurance for that type of property. The language is similar in CP 00 10 Building and Personal Property Coverage Form and in the Businessowners Coverage Form BP 00 03. As such, for the structure to be covered, it would need to be scheduled with an applicable limit of insurance.