What type of physical damage coverage under the Business Auto Coverage Form covers damage caused by animals?

Comprehensive coverage is designed to protect against a variety of types of physical damage to a vehicle that are not related to a collision. This includes incidents such as theft, vandalism, fire, and, importantly, damage caused by animals. For example, if a vehicle is struck by deer or if an animal causes damage by chewing on a part of the vehicle, comprehensive coverage would handle these claims.

This type of coverage is crucial for business auto policies, as it provides broader protection for vehicles against risks that can happen anywhere and are not the result of an accident involving another vehicle or object. Understanding comprehensive coverage helps businesses mitigate losses from unexpected events, thereby maintaining operational continuity.