Which of the following is NOT covered under the Specified Causes of Loss in the Physical Damage Coverage of the Business Auto Coverage Form?

Specified Causes of Loss in the Physical Damage Coverage of the Business Auto Coverage Form typically addresses a range of risks, which include theft, fire, water damage, and certain types of damage such as vandalism. Each of these perils is specifically identified and covered under this form to protect businesses against significant financial loss related to their vehicles.

Glass breakage, however, is usually handled differently. In many instances, glass coverage is provided under a separate endorsement or as part of a broader auto policy rather than being included in the Specified Causes of Loss. This is because glass claims are often frequent but typically less catastrophic compared to other types of losses such as theft or fire, prompting insurers to manage this risk distinctly.

In contrast, fire damage, theft, and water damage are integral parts of the coverage specified, designed to ensure that businesses have comprehensive protection against notable property damage and loss scenarios. By excluding glass breakage from this list, the policy delineates how certain risks are managed and streamlined within the overall coverage structure.