Which of the following is NOT an available additional coverage in the builders risk form?

In the context of builders risk insurance, the additional coverages typically include protections for risks such as vandalism, loss of materials, and fire, as these are common concerns during the construction phase. Vandalism coverage is included because construction sites can be prone to vandalism, where tools, machinery, and materials may be damaged intentionally.

Loss of materials protection addresses the risk of materials being lost, stolen, or damaged while on site. Fire coverage is essential as it protects against the loss or damage due to fire that could occur in the process of construction.

Earthquake protection, however, is usually not included as standard additional coverage in the builders risk form. It often needs to be purchased as a separate policy or endorsement. This is due to the fact that earthquakes are considered a catastrophic risk that is specifically addressed in different types of insurance policies rather than typical builders risk policies.

Thus, identifying that earthquake protection is not part of standard additional coverage within builders risk insurance helps in understanding the types of risks typically covered and the separations required for additional catastrophic risks.