Insuring the vehicles that your business operates during the course of the day is very important and we are here to help.
BAP or Business Auto Policy Coverages are an insurance policy that covers a businesses’ use of cars, trucks, vans, box or straight trucks and other vehicles in the course of conducting its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for company business.
Get free rate quotes for your Business Auto Policy near you now. We offer access the best in class Commercial Auto Insurance in the country.
Business Auto Insurance Policy Quotes are available for many types of vehicles. Call us at (208) 229-8222. Or use our quick and easy form below.
What are the Liability Coverage Types in Business Auto Policy?
Combined single limit (CSL)
Combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
Split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.
The limits are often expressed separated by slashes in the following form: “bodily injury per person”/”bodily injury per accident”/”property damage”.
Architectural Consulting Services
Credit and Debt Counseling Services
Medical Billing Services
Real Estate Agents
Tax Return Preparation Services
Telemarketing and Research Services
Associations, Not for Profit
Carpet, Rug & Upholstery Cleaning
Commercial Art & Graphic Design
Direct Mail Services
Music & Art Studios
Photocopy, Duplicating Services
Communications Services Management Providers
Computer and Software Stores
Computer Facilities Management Services
Computer Integrated Systems Design
Computer Maintenance or Repairs
Computer/Peripheral Equipment Manufacturers
Computer Rental or Leasing
Data Communications Vendors
Internet Access Providers
Pre-Packaged Software – Development and Design
Web Site Design and Development Services
Auto Parts Stores
Card, Stationery & Office Supplies Stores
Costume/Formal Wear Rental Stores
Craft, Hobby & Artist Supplies Stores
Medical, Hospital & Surgical Supply Stores
Painting and Picture/Frame Stores
Sporting Goods Stores
Auto Parts Distributors
Industrial Supplies Distributors
Janitorial Supplies Distributors
Plumbing Fixture & Supplies Distributors
Cookies, Crackers, Pretzels & Other Dry
Bakery Products Mfg
Wood Products Mfg, NEC
Medical Billing Offices
Medical Management Consultants
Occupational Therapists’ Offices
Offices & Clinics of Doctors of Medicine
Book Stores (New)
Computer & Computer Software Stores
Custom Made Clothing Stores
Embroidering Of Advertising On Shirts, Etc.
Garden & Nursery Stores
Gift, Novelty & Souvenir Shops
Gourmet & Specialty Food Stores
Mailing or Packaging/Addressing Stores
Musical Instrument & Sheet Music Stores
Optical Goods Stores
Sporting Goods Stores