What kind of perils does Business Auto Physical Damage cover against?

Business Auto Physical Damage coverage is designed to protect vehicles owned by a business against a range of risks. The scope of this coverage typically includes collision with other vehicles, as well as additional perils such as fire, flood, vandalism, and theft. This broad protection helps businesses mitigate the financial impact of unforeseen events that could damage their vehicles.

Understanding that only covering collision would leave significant gaps in protection clarifies why it's important to have coverage that addresses various scenarios beyond just accidents. Similarly, limiting coverage solely to theft or employee negligence would not sufficiently safeguard the business against the diverse set of risks that vehicles can face when used in the course of operations. Therefore, this makes the correct choice comprehensive in its nature, ensuring that it encompasses various potential damages that could affect business vehicles.