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

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The physical damage coverage alternative described in the question is specified causes-of-loss coverage. This coverage provides protection for specific perils, as opposed to comprehensive coverage which provides coverage for a broader range of perils, or collision coverage which only covers losses resulting from a collision.

One Physical Damage Coverage Alternative Under the Business Auto Policy