Which of the following can be a cause of spoilage coverage under the B and M policy?

The correct choice regarding the causes of spoilage coverage under the Business and Management (B and M) policy is excessive power outages. Spoilage coverage is designed to protect against damage to perishable goods caused by certain unforeseen events.

Excessive power outages result in a loss of refrigeration and climate control, which is critical for preserving perishable items like food, pharmaceuticals, and other temperature-sensitive products. When a power outage exceeds a specified duration, it can lead to spoilage, hence triggering the coverage provided by the policy.

This type of insurance is especially important for businesses that rely heavily on maintaining specific environmental conditions to preserve their products. Understanding the nuances of such coverage allows policyholders to ensure they are adequately protected against the risks associated with product spoilage.