A motor car dealer has moved its garage to new premises in the center of a large city. The garage contains a showroom and a repair workshop. The dealer purchased a commercial package policy (CPP) with...

A motor car dealer has moved its garage to new premises in the center of a large city. The garage contains a showroom and a repair workshop. The dealer purchased a commercial package policy (CPP) with the causes-of-loss basic form to cover its property exposures. In addition to common policy conditions and declarations, the policy contains a building and personal property coverage form and an equipment breakdown protection coverage form. With respect to each of the following losses, indicate whether or not the loss is covered.

a. A lightening sets the garage on fire and the showroom has been damaged.

b. Because of a riot that began in the city, the company incurred expenses for expedited shipping of replacement parts for the consumers’ cars in the repairing workshop.

c. The riot caused injuries among the employees who received emergency treatment in the Emergency unit at the nearest hospital.

d. A big tree accidentally fell in the premises area causing serious damage to three expensive cars exhibited in the open air.