Which of the following is explicitly listed as a BAP coverage exposure?

• A. Liability
• B. Windshield breakage
• C. Theft
• D. Fire

Answer: (A)

In a Business Auto Policy, the main exposure the policy explicitly addresses is the liability exposure—the insured's potential to cause bodily injury or property damage to others through the use of a covered vehicle. That liability exposure is a core, named coverage in the BAP. The other items listed—windshield breakage, theft, and fire—are losses or perils that may be covered under the auto’s physical damage portion (collision or comprehensive), not separate exposure categories. So the correct choice is liability because it reflects the formal exposure the BAP is designed to address, while the others are specific perils under physical damage.