If your business owns vehicles or if your business rents or leases them, you need Business Auto Insurance.   If you or your employees use personal vehicles to conduct your business, you need Business Auto Insurance.   A Business Auto Insurance Policy protects your business against injury to others and damage to property of others as a result of business use of vehicles.  It also can provide coverage for physical damage to owned vehicles.  Underinsured/Uninsured Motorist coverage is another important concern in constructing the policy.  The policy can be tailored to cover the needs of a business owner whose sole auto coverage is provided through the Business Auto policy.