Which one of the following statements is correct with respect to the Causes of Loss$-$Special

Form?

It shifts the burden of proof as to whether a loss is covered from the insured to the insurer

It includes a much longer list of specified causes of loss than either the basic or the broad form.

It specifically excludes all loss or damage caused by or resulting from vehicles owned by the named

insured or operated in the course of the named insured's business.

It covers theft by looting at the time of a riot or civil commotion, but it does not cover theft under any

other circumstances.