A business automobile policy (BAP) covers a company’s use of cars, vans, trucks and other vehicles while in course of conducting its business.  Coverage may include vehicles which the business owns, leases, or hires.  It may also include vehicles owned by employees which are used for business purposes.

A Business Auto Policy covers both liability and physical damage.

A business or practice should consider purchasing a Business Automobile Policy even if it does not own vehicles if, at any time, it may use personal vehicles for business purposes. This coverage is vital in the cases of employees who use their private cars for conducting business duties. In the situation of a severe accident, the employee may not have enough liability coverage to protect the business adequately.