Selected BAP Endorsements

Unlike the personal auto policy (PAP), the BAP does not cover medical payments and uninsured motorists.

This coverage would be useless to businesses whose autos are used exclusively by employees for business purposes since these employees are excluded from coverage. Their group medical insurance might also provide adequate coverage. However, auto medical payments coverage might be suitable if the autos are occupied by customers or business guests.

Some businesses do not need these coverage, and state requirements for them vary widely. However, they are available by endorsement.