What type of damage does Business Auto Liability cover?

Business Auto Liability primarily covers bodily injury and property damage that occurs as a direct result of the use of a business vehicle. This means that if an employee driving a company vehicle is involved in an accident that injures another person or damages another person's property, the insurance will provide coverage for those costs.

This type of coverage is essential for businesses that utilize vehicles for operations, as it mitigates the financial risk associated with potential accidents that can result in significant liability claims. It ensures that medical costs or repair expenses stemming from incidents involving the business's vehicles are handled effectively, safeguarding the business's financial interests.

The other choices focus on specific aspects that are not covered by Business Auto Liability. For instance, only covering damages to business properties focuses solely on property and neglects the critical element of bodily injury. Personal injury claims involve different insurance needs, typically related to general liability coverage rather than auto-specific liability. Finally, loss of business income, although a significant concern, is typically covered under different policies, such as business interruption insurance, not under auto liability.