Which of the following property types would require additional commercial property insurance?

The correct choice indicates that equipment is a property type that generally requires additional commercial property insurance. This is because equipment used in a business—such as machinery, computers, tools, and specialized devices—often represents significant investments and can be crucial for the operation of the business. Regular business property insurance may not cover these items to the extent necessary, especially in cases of theft, damage, or loss during transit or use.

Equipment often has specific insurance needs due to its value and the potential for specialized coverage requirements. For instance, businesses may need coverage for breakdowns or specific perils that could affect their operational capabilities and revenue. Ensuring that equipment is adequately covered helps mitigate financial risks that businesses face when equipment is damaged or lost.

In contrast, other options like personal property, office supplies, and general inventory are typically included in standard property policies that most businesses maintain, although coverage may vary. However, the specific nature and use of equipment make it distinct in its insurance needs.