Commercial auto insurance provides financial protection against physical damage and liability resulting from traffic collisions and other incidents involving business vehicles. 

1. Coverage Types:

   • Liability Coverage: Pays for bodily injury and property damage that the insured driver is responsible for in an accident.

   • Physical Damage Coverage: Includes collision coverage (for accidents involving collisions) and comprehensive coverage (for non-collision-related incidents such as theft, fire, or vandalism).

   • Medical Payments Coverage: Covers medical expenses for the driver and passengers in the insured vehicle, regardless of who is at fault.

   • Uninsured/Underinsured Motorist Coverage: Protects against damages and injuries caused by a driver who doesn't have sufficient insurance.

2. Policy Details:

   • Vehicle Types: Coverage can be tailored for a variety of vehicles, from cars and SUVs to trucks, trailers, and specialized vehicles.

   • Drivers Covered: Policies can include regular employees, temporary workers, and sometimes even volunteers or independent contractors.

   • Customization: Policies can be customized based on the specific needs of the business, including coverage limits, deductibles, and additional endorsements (e.g., coverage for tools and equipment carried in the vehicle).

3. Benefits:

   • Financial Protection: Helps cover the cost of repairs, medical expenses, and legal fees resulting from accidents.

   • Risk Management: Protects the business from significant financial losses and potential lawsuits arising from vehicle-related incidents.

   • Compliance: Ensures that businesses meet state and federal regulations regarding vehicle insurance requirements