In a business auto policy, which coverage is triggered during vehicle-related incidents that involve business use?

In a business auto policy, business auto liability coverage is specifically designed to address incidents that occur during the business-related use of vehicles. This type of coverage protects the business from financial loss due to damages or injuries that result from vehicle accidents while the vehicle is being used for business purposes.

Business auto liability coverage typically includes two main components: bodily injury liability, which covers claims for injuries to others, and property damage liability, which addresses damage caused to someone else's property. If a vehicle used for business purposes is involved in an accident, this coverage ensures that the business can handle claims from third parties, thus safeguarding the company's financial interests.

In contrast, personal auto policies typically cover vehicles when being used for personal use rather than commercial purposes. While bodily injury liability and property damage liability are components of business auto liability coverage, they do not stand alone; rather, they are subsets of the broader coverage provided within the business auto policy.