What type of coverage form would the owner of an appliance repair shop seek to cover the shop, equipment, and customer appliances?

The owner of an appliance repair shop would seek a building and personal property coverage form because this type of insurance is specifically designed to protect the physical structure of the business, as well as the equipment and inventory within it. This includes the shop itself, the tools and machines used for repairs, and any customer appliances that are in the shop for service.

Building and personal property coverage would provide a comprehensive safety net for losses due to perils such as fire, theft, or vandalism affecting both the business premises and the items that are pivotal to the shop's operations.

The other options serve different purposes; business income coverage addresses loss of income due to a covered loss, legal liability pertains to the legal responsibilities for injuries or damages to third parties, and builders risk is intended for properties under construction rather than an established business like an appliance repair shop.