Which of the following is not included in commercial property peril exclusions?

In the context of commercial property insurance, peril exclusions refer to specific risks or events that are not covered by the policy. The correct option indicates a peril that is typically included in coverage rather than excluded.

Lightning strikes are generally covered under most commercial property insurance policies. Coverage for lightning damage is considered a standard peril, meaning that if a business suffers damage due to a lightning strike, the insurance policy would typically cover such incidents. This emphasizes the importance of recognizing that natural events like lightning are often bundled within standard policy provisions, making them a fundamental part of coverage rather than exclusions.

On the other hand, war, seizure or destruction by government action, and nuclear reactions are common exclusions in commercial property insurance because they can lead to catastrophic losses that insurers deem too risky to cover. Understanding what constitutes a covered peril versus an exclusion is crucial for businesses when evaluating their insurance needs and ensuring adequate protection for their property against various risks.