What kind of loss is not covered by a commercial auto policy if it is suffered by an employee during their employment?

A commercial auto policy specifically covers liability related to the use of vehicles for business purposes, which includes property damage and bodily injury arising from accidents involving those vehicles. However, bodily injury experienced by an employee while performing their job is typically covered under workers' compensation insurance, not under a commercial auto policy.

This distinction is crucial in understanding the limitations of commercial auto coverage. While the policy does offer protection against third-party bodily injury claims resulting from an accident, it does not extend to injuries sustained by employees, as these fall under workplace injuries and are handled through separate workers' compensation coverage.

Options related to property damage, business interruption, and commercial fraud do not apply in the same context regarding employee injuries and would be covered or addressed under different types of insurance or business considerations. Therefore, the focus on workers' compensation clarifies why bodily injury to an employee is excluded from a commercial auto policy.