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Most states require business owners to purchase liability insurance for bodily injury and property damage that may result from a vehicle accident occurring while you or someone from your organization is driving on business. Many states also require the insured to have uninsured/underinsured motorists' coverage and/or medical payments coverage (known as Personal Injury Protection (PIP) in some states). Physical damage coverage is also available for vehicles a business owns, leases or hires.
The Business Auto Coverage Form (BACF) is the most commonly used contract for providing business auto liability insurance. Although the form refers only to "autos," autos are defined to include cars, trucks, trailers, vans or other vehicles designed for use on public roads.
Each vehicle you use in your business can be separately "scheduled," or listed on your policy along with corresponding coverages. In other words, you can choose different coverages, for your various vehicles, depending on the vehicle's characteristics and the coverage you need for it.