Coverage for loss of business personal property that is caused by the dishonest acts of the insured's employees is...?

Coverage for loss of business personal property caused by dishonest acts of the insured's employees is considered an optional coverage in a business owners policy (BOP). In a BOP, standard coverages typically include protection against fire, theft, and liability, but employee dishonesty is not part of that basic protection.

To address the specific type of coverage regarding employee dishonesty, insurance companies often provide this as an endorsement that business owners can choose to add to their policy for an additional premium. This gives business owners flexibility, allowing those who feel they need extra protection against potential employee theft to customize their coverage according to their specific risk exposure.

The other options do not accurately reflect how this coverage is structured. It is important for business owners to evaluate their individual needs and determine if they want to take on the risk of employee dishonesty or opt for the additional coverage through an endorsement.