Which of the following is included in the coverage of the Business Auto Policy?

• A. Personal injury claims against business employees
• B. Liability coverage for accidents involving insured vehicles
• C. Health coverage for drivers
• D. Damage to non-business related vehicles

Answer: (B)

The Business Auto Policy is specifically designed to provide liability coverage for accidents that occur while using vehicles insured under the policy. This means that if an employee of a business is driving a covered vehicle and is involved in an accident that results in damage to someone else's property or bodily injury to another person, the policy will provide the necessary coverage. This is a fundamental aspect of how auto insurance operates, particularly in a business context, where it protects the company's financial interest in the event of a vehicular accident.

In this context, personal injury claims against employees do not fall under the typical auto policy coverage, as they would be addressed through a different type of insurance, such as workers' compensation. Health coverage for drivers also does not form part of the Business Auto Policy; rather, health insurance is typically a separate coverage altogether. Additionally, damage to non-business-related vehicles would not be covered by the Business Auto Policy, as it is specifically intended to insure business vehicles and their use in business operations. The focus of the policy is on liability stemming from the operation of vehicles used for business purposes, reinforcing the importance of option B as the correct choice.