BUSINESS AUTO COVERAGE provides selected liability and physical damage coverages without the need for numerous additional forms and endorsements. Liability coverage can be provided for all autos or coverage can be limited to selected groupings of autos or only to specifically scheduled autos. Coverage for when non-owned autos are used by employees or when autos are hired can also be provided.

Collision and overturn is one of the optional physical damage coverages. Comprehensive coverage, which is loss from causes other than collision or overturn, is often purchased. Another less expensive option, specified causes of loss coverage, is similar to comprehensive but pays for loss only when caused by named perils. The physical damage coverages are often provided on a scheduled vehicle only basis, but they can be provided on all autos or for selected groupings, just as with the liability coverages.
(Use ACORD Form #127)
Related PF&M Article: Overview of the ISO Business Auto Policy