In the event of a fire at XYZ Cleaners, which type of coverage could help Tony with the cost of paying for his customers' destroyed clothing?

In this scenario, the most suitable coverage to help Tony with the cost of paying for his customers' destroyed clothing is property coverage. This type of insurance is designed to protect a business's physical assets, which include the building and personal property such as clothing that is in the care, custody, and control of the business. Since the clothing belonging to customers is considered property of the business under its care, property coverage would typically cover the costs associated with the loss or damage resulting from a fire, allowing Tony to reimburse his customers.

General liability coverage primarily protects a business against claims of bodily injury or property damage caused to others, but it does not cover the loss of the business's own property. Business interruption coverage is aimed at loss of income due to a business being unable to operate during recovery from a disaster but does not pay for the replacement of physical goods. Risk coverage is a broader term that does not specifically address the loss of property caused by fire, making it less relevant in this context. Therefore, property coverage is the most appropriate choice to address the situation Tony is facing.