What type of insurance provides coverage for bodily injury and property damage arising from the use of vehicles?

Prepare for the South Dakota Property and Casualty Exam with interactive questions and detailed explanations. Study effectively and succeed!

The correct answer is that Business Auto Coverage provides protection against bodily injury and property damage that arises from the use of vehicles. This type of insurance is specifically designed for businesses that operate vehicles as part of their operations, ensuring that they are covered for accidents involving their vehicles during business activities.

Business Auto Coverage encompasses a wide range of vehicles including cars, trucks, vans, and trailers used for commercial purposes. It typically covers medical expenses for injured parties, property damage to third parties, and any legal costs arising from lawsuits related to vehicle accidents.

The other types of insurance listed, while important in their respective areas, serve different purposes. Commercial General Liability typically covers broader liabilities such as bodily injury and property damage resulting from the business's premises or operations, but does not specifically address vehicle-related incidents. Workers' Compensation provides coverage for employees injured on the job, regardless of the type of work, but does not cover liability arising from vehicle use. Professional Liability focuses on claims arising from professional services or advice, not on bodily injury or property damage from vehicles. Therefore, Business Auto Coverage is the most appropriate choice for addressing bodily injury and property damage resulting from the use of vehicles in a business context.

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