Mandatory Coverages Business Auto is designed to protect your business in the event of accident, theft, injury, and other damages incurred by your employee, while driving insured company vehicles. Non-owned Auto protects against loss caused by an employee driving their own car on company business. Third party claims are covered up to the policy limit. Hired Car liability protects your business when an employee is held liable for damages while driving a vehicles being used under contract, or borrowed by your company. Bodily Injury liability provides protection in the event an employee driving a company auto injures others, and your company is held liable. Includes such expenses as medical bills and lost wages up to the policy limit per person. Property Damage liability provides protection in the event an insured company auto damages the property of others and the employee is held liable. Payments Medical provides protection in the event of loss, when an employee or his/her passengers are injured in an auto accident. This covers such expenses as medical and surgical bills, up to the policy limit, regardless of who is at fault. Personal Injury protection provides protection in the event an employee or his/her passengers, are injured in an auto accident. This covers such expenses as medical and rehabilitation cost, wage-loss, replacement services, and funeral expenses up to the policy limit. Uninsured Motorist pays for expenses that an employee or his/her passengers incur, as a result of an injury caused by an uninsured motorist who is held liable. Uninsured Motorist Property Damage pays for the property damage by an insured motorist, to a company auto. Underinsured Motorist pays the difference up to the policy limit, between the amount you are entitled to receive for an injury, and the actual amount of insurance carried by the driver responsible for your injuries. Optional Coverages Comprehensive pays for loss or damage to an insured auto when caused by theft, wind, fire vandalism, explosion, or any other covered peril. It pays up to the policy limit, less the deductible. Collision pays for damage to a company auto caused by collision with any object, or upset of the auto. It pays up to the policy limit less the deductible. Towing and Labor pays for towing and labor costs when an insured auto becomes disabled. Rental Reimbursement pays for rental of an auto, when an insured auto is disabled due to a collision or comprehensive loss.