Commercial auto insurance policies are specifically designed to cover vehicles used in commercial or business activities. These policies offer a wide range of coverages tailored to the needs and risks associated with operating commercial vehicles. Here are some key aspects of commercial auto insurance:

1. Liability coverage: This coverage is mandatory in most jurisdictions and covers damages caused to third parties in case of an accident where the driver of the commercial vehicle is deemed responsible. This includes bodily injuries and property damage.

2. Collision coverage: Covers damage to the insured commercial vehicle in case of collision with another vehicle or object, regardless of who is at fault for the accident.

3. Comprehensive coverage: Provides broader coverage that includes damage to the commercial vehicle due to collisions, theft, vandalism, fire, and other covered events.

4. Coverage for driver's personal injuries: This coverage provides medical and income benefits for the driver and passengers of the commercial vehicle in case of injuries in an accident, regardless of who is at fault.

5. Cargo coverage: Protects the mercha ndise transported in the commercial vehicle in case of theft, damage, or loss during transportation.

6. Roadside assistance: Provides towing services, emergency repairs, and roadside assistance in case of breakdown of the commercial vehicle.

It's important for businesses that use commercial vehicles to select the appropriate coverages based on their specific needs and the type of operations they conduct. Working with an insurance agent specialized in commercial auto insurance can help ensure that the provided policy is suitable and provides the necessary protection for the business and its assets.