Towing Coverage under a business auto policy

Question:
I got asked the question from an agent who said that they had several insurance companies not covering towing coverage for commercial vehicles under a business auto policy.

On page 7 of 13 of Business auto form CA 00 01 03 06 it says that under 2 Towing


" We will pay ip to the limit shown in the declarations for towing and labor costs incurred each time a covered auto of the private passenger type is disabled. However the lanor must be performed at the place of disablement"

The assumption from this is that towing is included for private passenger vehicles only if it referenced in the declarations. Therefore towing would not be covered

Answer
In checking with several insurance companies that is not the case. However it is only covered up to the limit. The issue here is that the insured/ insurance company would be "preserving and protecting the property" which is inherent to any physical damage policy.