What is Commercial Auto insurance?

While the Personal Auto Policy (PAP) is used to insure the automobile exposures of individuals and families, the Commercial Auto Policy (BAP) insures the automobile exposures of businesses.
The Commercial Auto coverage form can be used to insure the automobile exposures of all businesses other than garage or trucking businesses.
The Commercial Auto coverage form is divided into the following sections:
Section I – Covered Autos
Section II – Liability Coverage
Section III – Physical Damage Coverage
Section IV – Business Auto Conditions
Section V – Definitions
PIP, Uninsured Motorists and Medical Payments coverages can be added to the policy by separate endorsement.

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