Which of the following describes a coverage that does not fall under the broad form of a commercial property policy?

Replacement cost describes a coverage that does not fall under the broad form of a commercial property policy because it refers to a method of settling claims rather than a specific type of coverage. Replacement cost provides compensation for the cost of replacing damaged property without considering depreciation, but it is a feature of various coverages rather than a separate coverage itself.

In contrast, business interruption specifically covers loss of income due to disruptions in operations, equipment breakdown addresses losses related to the failure of essential machinery, and fire coverage pertains specifically to damages caused by fire. These elements are defined types of risks that a commercial property policy seeks to protect against, while replacement cost refers to how the value of those protections may be calculated in a claim event.