What is the focus of "commercial auto insurance"?

The focus of commercial auto insurance is to provide coverage for vehicles that are used for business purposes. This type of insurance is tailored to the unique risks involved with using vehicles in a commercial context, whether it's for transporting goods, providing services, or facilitating business operations. Companies often have different needs compared to personal vehicle owners, as they may use larger vehicles, need coverage for multiple vehicles, or require specific protections relevant to their business activities, such as liability coverage for accidents that occur while driving for business tasks.

For instance, if a business uses a fleet of trucks to deliver goods, commercial auto insurance would cover vehicles specifically tied to those operations, ensuring that the business is protected against liabilities, damages, and other risks associated with operating the vehicles in a commercial capacity. This contrasts with personal auto insurance, which primarily addresses the needs of individuals using their cars for personal travel.