Which item is NOT classified as equipment in a commercial policy?

In a commercial insurance policy, equipment refers to items that are used in the operation of a business. This typically includes machinery, tools, office furniture, and technology that contribute directly to the business's functions.

Business cards do not fall under this classification, as they are considered marketing collateral rather than essential equipment used in the daily operations of a business. While they play a role in business promotion and networking, they do not serve a functional purpose like a fax machine, tenant improvements, or a boardroom table, which are necessary for conducting business activities.

Items such as fax machines and boardroom tables are directly involved in the daily operations and functionalities of a commercial setting. Tenant improvements refer to modifications made to a leased space to cater specifically to tenants' needs and can also be regarded as essential infrastructure for business operation.