To mitigate financial risks associated with employee accidents, which coverage could Francis add to his Business Auto Policy?

Adding medical payments coverage to a Business Auto Policy directly addresses the financial implications of employee accidents while using company vehicles. This type of coverage provides payment for medical expenses incurred by employees injured in an accident, regardless of fault. This can help mitigate the financial burden on both the business and the employees, ensuring that necessary medical care is accessible without immediate out-of-pocket expenses.

While liability coverage addresses damages to other parties in accidents, collision and comprehensive coverage primarily protect the vehicle itself against physical damage and do not provide immediate assistance for employee injuries. Therefore, medical payments coverage stands out as the most effective means to specifically aid in managing costs arising from employee accidents, making it the most relevant choice.