In a business owner's policy, seasonal fluctuation permits recovery of lost personal property up to 125 percent of the declared limit, as long as the average value of the personal property over the prior twelve months is not greater than the limit.

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Seasonal fluctuation coverage in a business owner's policy allows for increased recovery of lost personal property to account for seasonal inventory changes, up to 125% of the declared limit, provided the average value over the past year does not exceed the limit.

In a Business Owner's Policy, Seasonal Fluctuation Permits Recovery of Lost