Finance risk manegement and insurance

1) Debby holds the position of senior risk and compliance manager of Distler Company, located in Florida. Debby wants to obtain protection for direct physical loss under the business and personal property (BPP) coverage form. Which causes of loss form should Debby complete to obtain this coverage?

2) Herget Gallery owns a building on Wharf Street in Washington, D.C. Herget Gallery purchased a Commercial General Liability Policy containing no endorsements. All of the claims below would be covered under the policy except for:?