One physical damage coverage alternative under the Business Auto Policy provides coverage for losses caused by certain named perils,such as fire,lightning,or explosion; theft; windstorm,hail or earthquake; flood; vandalism or mischief; or the sinking,burning,collision or derailment of any conveyance transporting the covered auto.This physical damage coverage alternative is

Question

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The description matches the definition of specified causes-of-loss coverage, which provides coverage for losses caused by specifically named perils, as opposed to comprehensive coverage which provides coverage for all perils not specifically excluded, and collision coverage which provides coverage for losses caused by a collision with another vehicle or object. Garage coverage is not relevant to the description given.

One Physical Damage Coverage Alternative Under the Business Auto Policy