Q1: A business has the office building insured under the BPP (Building and Personal Property) with special form coverage. The office building catches fire. Fire fighters are called and while putting the fire out, causes the building to have extensive water damaged. Is the water damage an event covered by the Special Form? Please explain your answer in detail.

Q2: A chocolate milk business has a building insured under the BPP (Building and Personal Property) with special form coverage. In that building the business manufactures the chocolate milk products. A mistake during the production process causes too much chocolate to be added in the process which forces the company to dispose the entire batch of drinks. Would the cause of this loss be covered under the producer's special form? Please explain your answer in detail.

Q3: A business has BPP (Building and Personal Property) with special form coverage for their office building for 600,000 limit and their business personal property for 300,000 limit. The policy has 10,000 deductible. A covered cause of loss results in 200,000 worth of damage to the building and 100,000 loss of business personal property. What is the total amount payable by the insurance company in this situation? Please explain your answer in detail.