What does Business Auto Physical Damage cover?

Business Auto Physical Damage provides coverage for damages to vehicles that are owned by the business or rented for business use. This coverage protects against a variety of physical damage risks, such as collision, vandalism, and natural disasters affecting the vehicles. It ensures that if a company vehicle is damaged, the business can recover the costs associated with repairing or replacing that vehicle, securing their transportation for operational needs.

In contrast, the other options do not encapsulate the full scope of what Business Auto Physical Damage covers. For instance, while theft is a concern, it is only part of the overall physical damage protection provided. Additionally, injuries sustained by drivers are typically covered under a separate liability insurance policy rather than physical damage coverage. Loss of rental income is related to business interruption rather than the physical protection of the vehicles themselves, which is why option B accurately reflects the essence of the coverage.