Which of the following is typically NOT covered under a business auto policy?

In the context of a business auto policy, personal injuries to the driver are typically not covered. Business auto policies generally focus on providing liability coverage for bodily injuries to others and property damage resulting from the use of a vehicle for business purposes.

Liability for bodily injury to others covers injuries that might occur to other individuals as a result of an accident involving the insured vehicle, which is essential under the terms of most business auto policies. Similarly, physical damage to the vehicle itself addresses damage incurred due to collision or other incidents, ensuring that the business vehicle is protected.

Property damage liability deals with damage caused to someone else's property due to the insured vehicle's operation. This is also a fundamental component of coverage as it protects the business from financial repercussions associated with damaging another person's property during the operation of a covered vehicle.

However, personal injuries sustained by the driver are usually not included in the business auto policy coverage, as these injuries often fall under different types of coverage, such as health insurance or workers' compensation, rather than auto insurance. This distinction underscores why personal injuries to the driver do not fall within the typical coverage parameters of a business auto policy.