Business Auto Coverage for Employee's Auto?

Our insured owns a van that was parked in a garage on our insured's business premises. An employee of our insured had his vehicle parked beside our insured's car. A fire started around the van and burned down the garage, all the contents, and the two vehicles. An investigation is being held to determine whether the fire was due to our insured's van. We know that there has to be liability on the part of our insured before his business auto policy would respond to a claim, but if this is proven, is there any exclusion to prevent coverage? The workers compensation and employer liability exclusions refer to bodily injury, not property damage so we think there is coverage. What is your opinion?

Pennsylvania Subscriber