What type of coverage does commercial auto insurance provide?

Commercial auto insurance provides coverage specifically for vehicles that are used for business purposes. This type of insurance is essential for businesses that rely on vehicles for their operations, whether it’s for transporting goods, providing services, or conducting business-related travel. The coverage typically extends beyond what personal auto insurance provides, addressing risks associated with business use, such as liability for accidents while using the vehicle in a work context, damage to the vehicle, and protection against theft.

Vehicles covered under commercial auto insurance can include company cars, delivery vans, trucks, and even personal vehicles if they are used for business activities. This comprehensive approach ensures that businesses are protected from various liabilities that could arise in the course of their operations.

In this context, options referring to personal vehicles used for commuting, exclusive coverage for large trucks, or coverage only for rental vehicles do not accurately represent the nature and purpose of commercial auto insurance coverage. The focus on business application is what distinctly characterizes this insurance type.