Valuable Papers and Records coverage does NOT include what type of item?

Valuable Papers and Records coverage is designed to protect tangible and intangible items that have inherent value, but it notably excludes certain items that do not fall within its scope. The key aspect of this coverage is that it primarily focuses on physical documents and records that are crucial for business operations, such as maps, blueprints, contracts, and digital files.

Money and securities are not considered valuable papers or records as they are treated under different types of insurance coverage, such as that for cash, currency, and financial instruments. These items possess value, but since they do not represent a record or documentation critical to business operations, they fall outside the realm of Valuable Papers and Records coverage. This distinction is important for understanding insurance policies and for clients to know what is specifically covered under their policies.