What is NOT included as a Covered Cause of Loss in the BPPCF?

In the context of the Business Personal Property Coverage Form (BPPCF), not all damages or losses are covered. Cosmetic damages refer to issues that may affect the appearance of property but do not impair its functionality or use. For example, superficial scratches, dents, or paint damage are considered cosmetic. These types of damages are typically excluded because insurance primarily aims to cover losses that affect the item's value or utility.

In contrast, natural disasters, employee theft, and acts of vandalism are typically categorized as covered causes of loss. Natural disasters can lead to significant structural damage or loss of property, while employee theft and vandalism can result in considerable financial losses. Thus, these events are covered under most standard commercial property policies. This distinction clarifies why cosmetic damages do not fall under the covered causes of loss in the BPPCF.