Which type of insurance covers losses to a customer's property in the care of the insured?

The appropriate type of insurance that covers losses to a customer's property in the care of the insured is Bailee's Customer Insurance. This type of insurance is specifically designed for individuals or businesses (known as bailees) that temporarily hold or manage someone else's property. It provides coverage for damages or losses that may occur to that property while it is in their possession.

For example, if a dry cleaner accidentally damages a customer's clothing while it is being cleaned, Bailee's Customer Insurance would cover the loss to the customer due to the dry cleaner's obligation to safeguard the customer's property.

The other types of insurance mentioned do not specifically cover losses to customer property held by a business. Property Damage Insurance typically refers to coverage for damages inflicted on one's own property or the property of others as a result of an accident. General Liability Insurance focuses on protecting businesses against claims of bodily injury and property damage resulting from the business's operations. Professional Liability Insurance covers issues arising from professional services provided, such as errors or omissions, rather than loss or damage of tangible property.

Therefore, Bailee's Customer Insurance is uniquely suited for the scenario where the insured is responsible for safeguarding a customer’s property while in their possession.