A Business Auto policy provides liability coverage for the vehicles used for your business. As with a Personal Auto Policy, physical damage coverage can be purchased so that the vehicle(s) will be covered for comprehensive and collision. Additional liability coverage can be purchased, such as Hired and Non-Owned. Hired liability coverage would provide coverage in the event you borrowed or rented a vehicle to use for your business. Non-owned liability coverage provides coverage for vehicles that you do not own, but are being used for your business, such as an employee using their own vehicle while in the course of employment. A classic example of this is a pizza delivery person.