Business Auto Policies cover a variety of operations, including trucking, garaging, public and private transport, and businesses with auto exposures that fall outside the other classes. This type of policy may be purchased as a stand alone policy or as part of a commercial package policy.
Liability Coverage - protection for physical injury to other persons or their property because of an accident related to your covered vehicle including legal defense cost or expense.
Comprehensive Coverage - handles loss from any cause except collision. A limited, less expensive option is available. It only protects against a set of specific causes such as fire, lightning, explosion, vandalism and several others)
Towing And Labor Costs for disabled vehicles
Loss of Use-Rental Vehicle Coverage - if you damage a rental car, this option helps to reimburse the rental company for income it loses because the vehicle is out of use. Also, there may be limited coverage for injury or damage that you cause to others while using a rented vehicle anywhere in the world.
Business Auto Common Exclusions
Any injury/damage that you expected or intended
Responsibility for damage you assume under a contract
Losses that should be handled by a workers' compensation, disability benefits, or unemployment compensation law
Bodily injury to an employee caused by a fellow employee
Damage to property that is in your care, custody, and control
Any bodily injury or property damage that occurs because of pollution
Any loss that is related to racing, demolition, or stunts
Nuclear hazard or any type of war or military action
Wear and tear, freezing, mechanical or electrical breakdown, blowouts, punctures, or other road damage to tires