Which commercial property cause of loss form covers all losses not otherwise excluded in the policy?

The special form is the commercial property cause of loss form that provides the most comprehensive coverage by encompassing all losses that are not specifically excluded within the policy. This means that unless a peril is explicitly stated as excluded, it is covered under the special form. This is particularly beneficial for property owners who want maximal protection, as it reduces uncertainties about which perils might lead to a loss not being covered.

In contrast, the basic and broad forms offer more limited coverage. The basic form typically covers only a list of named perils, while the broad form expands upon that list but still does not cover everything. The modified form can also restrict coverage and is tailored for specific situations. Therefore, the special form stands out by offering a catch-all protection mechanism that is essential in risk management for commercial properties.