Which Inland marine coverage pays for loss to a customer’s property in the care of the insured?

The correct choice is bailee's customer coverage, which is designed to protect the insured against liability for loss or damage to property that is in their care, custody, or control. This coverage is particularly pertinent for businesses that handle customers' property, such as dry cleaners, repair shops, or storage facilities.

Under this type of coverage, the insured has a duty to take reasonable care of the customers' property while it is in their possession. If the customers’ property suffers a loss due to theft, damage, or other unforeseen circumstances while it is with the insured, bailee's customer coverage will provide financial compensation for the value of that property.

Other options do not specifically address liability for the care of customer property. For instance, property in transit covers goods while they are being transported but does not cover the insured's liability for property in their care. Personal effects usually refers to personal belongings of an individual, and commercial articles focus on coverage related specifically to certain business-related items, neither of which directly relates to the care of a customer's property.