Which of the following is NOT included as an additional coverage for Business Personal Property?

The correct answer, which indicates what is not included as an additional coverage for Business Personal Property, is focused on understanding the specific coverages that are typically available under commercial property insurance.

In the context of Business Personal Property, the coverage is designed to protect the physical assets of a business. Additional coverages often include provisions for scenarios that are not always part of the primary coverage limits.

Debris removal is often included as it helps businesses manage the aftermath of a loss by allowing the removal of debris resulting from a covered peril. Preservation of property is also an important additional coverage that allows businesses to take steps to protect their property from further damage after a covered loss occurs. Pollutant cleanup coverage is included for instances where pollutants have contaminated the property as a result of a covered loss.

In contrast, replacement value of equipment generally refers to a valuation method rather than an additional coverage. This means that while businesses may choose to insure their equipment for its replacement value, the act of replacing equipment itself does not fall under the category of "additional coverages". Instead, it is a fundamental aspect related to how coverage amounts are calculated rather than an enhancement to the scope of coverage.