Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.

Commercial auto policies tend to have higher coverage limits than personal policies, because business vehicles need more protection in case of accidents.

Commercial auto insurance covers business vehicles for things like:

• Damage to your vehicle(s)

• Driver injury

• Injury to someone else

• Damage to someone else's property

Vehicles covered by commercial auto insurance generally include:

• Cars

• Vans

• Pickup trucks

• Box trucks

• Service utility trucks

• Food trucks

In Arkansas, commercial auto insurance is designed to provide coverage for vehicles used for business purposes, which can include a range of vehicles from cars and vans to box trucks and food trucks. This type of insurance is crucial for businesses as it not only covers damages to the insured vehicles but also provides for driver injuries, injuries to third parties, and damage to third-party property. Given the higher risks associated with business use, commercial auto policies typically offer higher coverage limits compared to personal auto insurance policies, ensuring that businesses have adequate protection in the event of accidents. It's important for businesses operating in Arkansas to comply with state regulations, which may include minimum coverage requirements for commercial vehicles. These regulations are in place to ensure that there is sufficient financial coverage for costs arising from accidents or other damages involving business vehicles.