The commercial auto policy provides physical damage coverage for vehicles you own, lease, hire or use in your business and liability coverage for bodily injury and property damage caused to others by your use of the insured business vehicles.

It can include two types of physical damage coverage for your insured vehicles:

• Collision loss: damage from auto accidents.
• Comprehensive loss: damage from weather, theft and other non-collision causes.

It also includes two types of liability coverage:

• Bodily injury coverage: for accident-related injuries to others when you’re at fault.
• Property damage coverage: from accident-related damage to someone else’s property, such as a car or house, when you’re at fault).

• Bodily injury
• Property damage
• Personal injury, like libel or slander