What type of policy would provide coverage beyond the limits of a business auto policy after an accident?

An excess liability policy is designed to provide additional coverage above and beyond the limits of a primary insurance policy, such as a business auto policy. This means that in the event of a claim where the costs exceed the business auto policy's limits, the excess liability policy kicks in to cover the additional expenses.

This type of policy is particularly important for businesses that want to ensure they have sufficient coverage in the case of a severe accident where damages might exceed the standard coverage limits. By extending liability coverage, it gives businesses an additional layer of protection against claims and legal liabilities that could arise from incidents involving their vehicles.

In contrast, other types of policies like commercial general liability, extended liability, or business owners policies serve different purposes or have limitations that might not provide the necessary additional coverage specifically aimed at enhancing the limits of a business auto policy.