Under a commercial auto policy providing physical damage, which option offers the broadest coverage?

Comprehensive coverage under a commercial auto policy offers the broadest range of protection among the options provided. This type of coverage is designed to protect against a wide array of risks that can result in damage to the vehicle, such as theft, vandalism, fire, natural disasters, and damage caused by animals.

In contrast, collision coverage focuses solely on damage from a collision, whether it's with another vehicle or an object, and does not address non-collision-related incidents. Specified peril coverage is even more limited, as it only covers specific risks that are explicitly listed in the policy. Lastly, liability coverage protects against damages the insured may cause to others but does not provide coverage for damage to the insured's own vehicle. Thus, for someone looking for extensive protection for their vehicle, comprehensive coverage is the most inclusive option available.