Commercial Auto (BAP) Insurance provides coverage for vehicles that your business owns, leases, or rents and that are used for business purposes. This coverage is crucial for protecting your commercial vehicles and minimizing the financial risks associated with accidents, damages, and liability. Here are the key coverages typically included in a Commercial Auto (BAP) Insurance policy:

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• Liability insurance: This coverage pays for the other driver's property damage and medical expenses in the event of an accident. It is the most important coverage to have for your business, as it can protect you from financial ruin in the event of a serious accident.

• Collision insurance: This coverage pays for the damage to your own vehicle in the event of an accident, regardless of who is at fault. It is not required by law in most states, but it can be a good idea to have if you have a valuable vehicle or if you drive in a high-risk area.

• Comprehensive insurance: This coverage pays for damage to your vehicle caused by things like theft, vandalism, and hail. It is not required by law in most states, but it can be a good idea to have if you want to be protected from these types of losses.

• Medical payments insurance: This coverage pays for your employees' medical expenses in the event of an accident, regardless of who is at fault. It is not required by law in most states, but it can be a good idea to have if you have employees who drive company vehicles.

• Hired and non-owned auto liability insurance: This coverage protects your business if an employee or independent contractor is driving a vehicle that is not owned by your company and causes an accident. It is not required by law in most states, but it can be a good idea to have if you have employees or independent contractors who frequently drive their own vehicles for work.