What additional perils does the "Broad Form" coverage include beyond the Basic Form?

The "Broad Form" coverage in commercial property insurance enhances the protections offered by the Basic Form policy by including a wider range of perils. One of the significant additions includes coverage for falling objects and the weight of snow.

Falling objects can be a serious risk to property, especially for structures located near construction sites or in areas prone to high winds where debris can be dislodged. Similarly, the weight of snow adds a layer of protection against structural damage that may occur due to heavy snow accumulation, which can cause roofs to collapse if they aren't designed to withstand such loads.

While other options might mention risks that are common in property coverage, they do not accurately reflect the specific enhancements provided by the Broad Form when compared to the Basic Form. Understanding these distinctions is crucial for deciding on appropriate coverage based on the risks associated with a particular property.