Which coverage is needed under a business auto policy to cover hitting an animal or grass breakage?

Comprehensive coverage is the correct choice because it typically covers damage to your vehicle caused by events other than collision, including incidents like hitting an animal. This type of coverage protects against various risks such as theft, vandalism, fire, natural disasters, and other unforeseen occurrences that can result in damage to the insured vehicle.

In the context of a business auto policy, comprehensive coverage is essential for safeguarding against these types of accidents, making it particularly relevant for situations where an animal might unexpectedly cross a roadway.

Collision coverage, in contrast, specifically addresses damages that occur due to collisions with other vehicles or objects, rather than protection from non-collision incidents. Specified perils might include certain named dangers but generally do not provide as broad a range of protection as comprehensive coverage. Liability coverage is intended to protect against claims made against the policyholder for bodily injury or property damage caused to others, but it does not cover damages to the insured vehicle itself.