What does the term 'commercial property floater risks' refer to?

The term 'commercial property floater risks' specifically refers to forms for various commercial inland marine, which are designed to provide coverage for goods in transit or movable property that is not fixed to one location. These types of risks are associated with commercial property that is often being transported or has the potential to move between different locations.

Inland marine insurance is primarily concerned with protecting items that may frequently change location or that are on the move, such as equipment, goods, or inventory that a business might need to transport. This coverage can extend to loss or damage of property that occurs during transport or while it is in temporary storage.

The other options do not accurately capture the meaning of commercial property floater risks. Property protection plans typically refer to general coverages for fixed properties, while coverage for personal items is aimed at individuals rather than businesses. Automobile coverage pertains specifically to vehicles and does not address the broader scope of movable commercial property. Therefore, the correct understanding lies in the specific reference to forms for various commercial inland marine, making this the accurate response.