Your business owns, leases, or rents vehicles; employees drive company-owned, leased, or rented vehicles or employees drive their vehicles while conducting your business.  You need Commercial Auto coverage.

Liability coverage provides coverage for bodily injury, property damage, and legal defense costs.  Bodily Injury pays others when you are responsible for causing injuries which would include medical and rehabilitation expenses for their recovery.  Property Damage pays others when you are responsible for damaging their property.

Physical Damage Coverage agrees to pay for your covered auto in the event of a loss. Comprehensive provides coverage for the repair of your vehicle in the event of a fire, theft, vandalism, hail damage, or the wind causing tree limbs to fall on your vehicle or hit an animal.  Collision covers your vehicle in the event your vehicle is damaged after hitting an object.  This object could be another vehicle, a sign, or a building.  The specific deductible will apply according to the type of loss.