In a businessowners policy, coverage typically includes protection against which risk?

In a businessowners policy, coverage typically includes protection against both natural disasters and employee theft, making the correct answer comprehensive. This type of policy is specifically designed for small to mid-sized businesses, providing a range of coverages that address multiple risks they might face.

The inclusion of protection against natural disasters means that businesses can recover from events such as fire, theft, and certain weather-related damages, which are crucial for their continuity and financial health. Similarly, coverage for employee theft is essential because employees can pose a risk to a business by misappropriating funds or property, and having this protection helps mitigate potential losses that can arise from such actions.

This combination of coverages is a key feature of businessowners policies, reinforcing their role as an effective risk management tool for business operators by offering broad protection under a single policy. Other options may not encompass the full spectrum of risks that a business might encounter, emphasizing the comprehensive nature of this policy type.