What type of commercial policy provides the broadest coverage?

The type of commercial policy that provides the broadest coverage is the special form. This type of policy is designed to cover a wide range of perils, often on an "all risks" basis, meaning it will cover all causes of loss except for those specifically excluded in the policy. This comprehensive approach is advantageous for businesses as it minimizes gaps in coverage and offers protection against various unpredictable risks.

In contrast, the basic form primarily covers only a limited list of perils, typically only those that are explicitly stated. The actual cash value form focuses on the replacement cost minus depreciation, which can lead to inadequate coverage in certain situations. The extended coverage form adds a few additional perils to the basic coverage but still does not achieve the comprehensive breadth of protection that the special form offers. Thus, the special form is the go-to choice for maximum protection in commercial coverage.