Business auto policies often provide coverages that are identical or similar to those found in personal auto policies. Some coverages that many businesses get through their business auto policies include:
Property Damage Liability, which usually covers damage caused to other people’s property; Bodily Injury Liability Coverage, which may cover injuries that other people sustain; Personal Injury Coverage, which can help cover injuries that the driver and passengers sustain; Comprehensive and Collision Coverage, which is often used to cover the vehicles a business owns; and Uninsured and Underinsured Motorist Coverage, which might help pay for damage and injuries caused by a driver who doesn’t have sufficient insurance. As is the case with personal auto policies, the exact coverages included in business auto policies can vary.