What is not typically included in Coverage A of a commercial property policy?

Coverage A of a commercial property policy primarily addresses the buildings and structures located at the insured premises, as well as any fixtures that are permanently attached. This includes the main buildings as well as any other structures that may be present on the property but are distinct from the main building.

Land associated with the buildings is explicitly excluded from Coverage A because insurance for property typically applies to buildings and the structural components rather than the land itself. Coverage typically does not extend to personal belongings of employees, which are considered personal property and would fall under a different type of coverage altogether, often addressed in Coverage C or a separate employee personal property policy.

Therefore, personal belongings of employees do not form part of the physical structures or improvements covered under Coverage A, making this choice the correct answer regarding what is not typically included in this part of a commercial property policy.