Under commercial property insurance, coverage for an insured's records is limited to which of the following?

In the context of commercial property insurance, coverage for an insured's records typically adheres to specific limitations, often linked to the nature of the records themselves. The correct answer reveals that this coverage is capped at blank value only. This means that the insurance policy may not fully account for the intrinsic value of the information contained within those records.

By capping coverage at blank value, the insurance recognizes that while physical records have a cost associated with their creation, the information itself may be irreplaceable, and thus the policy offers limited financial recovery in such instances. This reflects common practices within commercial property insurance, where loss of records is considered critical, but the tangible recovery aspect is restricted.

This indicates a key understanding in insurance principles: while businesses rely heavily on their records for operations, the insurance may not arrange for full compensation for the loss of information, manifesting instead as a fixed coverage limit based on the physical characteristics of the records, rather than their market or operational importance.