Commercial Auto

Business Auto Policy (BAP) is a commercial auto policy that includes auto liability and auto physical damage coverages; other coverages are available by endorsement. Except for auto-related businesses and motor carrier or trucking firms, the business auto policy (BAP) addresses the needs of most commercial entities. If your work truck or other insured work vehicles are involved in a traffic accident, you’ll want to be sure you’re covered by commercial auto insurance.

Different types of commercial auto coverages include:

Liability Coverage
Covers the other's damage/injuries when you’re at fault 

Comprehensive & Collision Coverage  
Covers your vehicle damage when you’re at fault

Uninsured/ Underinsured Motorists Coverage
Covers your injuries and property damage when another, at-fault driver is uninsured/underinsured

Medical Payment
Covers when your passenger is hurt

Example:
You’ve just finished up checking on a kitchen remodel your crew is working on and are on your way to complete a bid for a large home addition across town. At a green light, you pull into the intersection just as someone in cross traffic runs their red light, t-boning your truck and sending you spinning. Luckily there are no serious injuries. Unluckily, your truck is totaled and the other guy is uninsured.