Business Automobile Insurance is required by State Law. Most policies provide coverage for:

Liability Protects you if you are held legally responsible for bodily injury or damage to property of others caused by an accident.
Uninsured Motorist Pays for bodily injury to an insured that is injured by an uninsured motorist.
Underinsured Motorist This coverage is added to supplement the Uninsured Motorist Coverage. The coverage applies only when the other driver has liability limits at the time of an accident, but the liability limits carried may be insufficient to pay for damages for which the driver is responsible.
Medical Payments Pays all reasonable and necessary medical and funeral expenses incurred by an insured because of bodily injury caused by an accident, subject to the policy limit.
Comprehensive Provides protection against loss or damage to a covered auto resulting from loss other than collision. This coverage also provides for supplemental payments for transportation expenses in the event of total theft of a covered auto.
Collision Provides protection against loss or damage to a covered auto resulting from loss other than collision. This coverage also provides for supplemental payments for transportation expenses in the event of total theft of a covered auto.
Rental Reimbursement Pays the cost of renting a substitute auto for replacement of any covered auto that has suffered a covered loss. The daily maximum limit for this coverage varies among insurers.
Towing and Labor When this coverage is added, the insurer pays for towing and labor costs each time a covered auto or non-owned auto is disabled, up to the amount stated in the policy.