Final answer:
The coverages under a Business Auto Policy (BAP) for physical damage that can be written together are comprehensive, collision, towing, and labor.
Step-by-step explanation:
The coverage options under a Business Auto Policy (BAP) for physical damage can often cause confusion. The question asks which coverages can be written together. The correct answer is that both comprehensive and collision coverages along with towing and labor can indeed be written together for physical damage on a BAP. Comprehensive, as its name implies, covers a wide range of perils except for collisions, which are covered under the collision coverage. Towing and labor coverage is generally an additional coverage that can be added to a policy that already has comprehensive and/or collision coverage. Therefore, option 3) comprehensive, collision, towing, and labor is the right combination that can be written together in a BAP. Specified causes of loss are an alternative to comprehensive coverage, but it cover fewer perils and typically would not be written with comprehensive coverage since that would be redundant.