Which of the following covered perils would be included in the Standard BOP Form?

The inclusion of vandalism as a covered peril in the Standard Businessowners Policy (BOP) is rooted in the policy's purpose of providing comprehensive coverage for small to medium-sized businesses. The BOP is designed to protect against loss or damage that can disrupt business operations, and vandalism represents a clear risk faced by many businesses.

In the context of a BOP, vandalism encompasses intentional damage to property, which can result from various factors such as civil disturbances or malicious acts. This coverage is crucial because it helps business owners mitigate the financial impact of acts that might otherwise leave them vulnerable to significant loss.

The other options, such as cybersecurity breaches, intentional damage (in the context of damage caused by the insured), and earthquake damage, do not fall under the standard coverage of a BOP. While some forms of insurance might cover cybersecurity issues, they typically require additional endorsements or specific policies. Similarly, intentional acts that cause damage are usually not covered because they reflect a lack of care from the insured. Earthquake damage also necessitates specific coverage options, as it is often excluded from standard policies due to its potential severity and associated risk.