PLEASE ANSWER BOTH FOR ME PLEASE

Question 14 (2 points) Listen Sammy owns a surf & skate shop insured under a Commercial Package Policy, which provides commercial property coverage (including BPP and Business Income coverage) and commercial general liability (CGL) coverage. The policy is written on causes-of-loss broad form. The automatic sprinkler system Sammy had installed in the building bursts and ruins a portion of his surfboard inventory. Based on the info above, is the loss covered? No, because inventory is not business personal property. No, because water damage is not a covered loss under the broad form. Yes, because inventory is a liquid asset. Yes, because water damage is covered loss under the broad form. Question 12 (2 points) Listen Sammy owns a surf & skate shop insured under a Commercial Package Policy, which provides commercial property coverage (including BPP and Business Income coverage) and commercial general liability (CGL) coverage. The policy is written on causes-of-loss broad form. The CGL policy is written on an occurrence basis. Sammy gets sued after a customer sustains injuries at a skate park when the wheels unexpectedly fall off of a skateboard Sammy's shop built. Based on the info above, is the loss covered? No, because the CGL policy does not cover product liability claims. Yes, because the policy includes third-party personal property liability coverage. Yes, because the CGL policy covers product liability claims. No, because the injury occurred off premises and the policy only covers injuries that occur at Sammy's shop