Which types of events cover outdoor property in a business owners policy?

The coverage of outdoor property in a business owner's policy (BOP) is primarily associated with specific events such as fire, lightning, riot, and similar perils. This is because BOPs are designed to provide comprehensive protection against a range of risks that can cause damage to a business's physical assets.

Fire and lightning are classic examples of events that can cause substantial damage to property, whether it is located indoors or outdoors. Riot and civil commotion are also included due to the potential for destruction during civil unrest, highlighting the need for businesses to have protection against unexpected disturbances.

In contrast, events like flood and earthquake are typically not covered under standard BOPs and usually require separate policies or endorsements due to their unique nature and the specialized risk they present. Theft and loss of income, while important coverages, do not specifically pertain to outdoor property damage covered by a BOP; they focus more on the valuation of lost items and business operations rather than physical damage to property. Therefore, the choice that specifies fire, lightning, riot, and similar events correctly identifies the types of risks associated with outdoor property coverage in a business owner's policy.