Which item would NOT be covered under Coverage A of the Building and Personal Property Coverage Form in Jenny's commercial property policy?

Coverage A under the Building and Personal Property Coverage Form typically covers buildings and structures, as well as personal property that is owned by the insured and used in their business operations. This includes items that are permanently attached or affixed to the building, such as a heating and air conditioning system, as well as items that are an integral part of the property, like flooring.

The reason the employee's laptop would not be covered is that it is considered personal property that is owned by an employee, rather than by the business itself. Coverage A is meant for items that the insured owns and uses for business purposes, while personal items, like an employee's laptop, are usually considered outside the scope of business property coverage.

In contrast, the heating and air conditioning system, brand new flooring, and the lumber storage shed would all be covered under Coverage A because they are either part of the building or are structures that support the business operations. Thus, while personal property that belongs to employees does not receive coverage under this section, business-owned property does.