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 Connecticut (CT), commercial auto insurance is required for vehicles used for business purposes, such as cars, vans, trucks, and specialized vehicles like food trucks. This type of insurance provides coverage for damage to the business vehicle, injuries to the driver, and liabilities for injuries or damages caused to third parties. Connecticut state law mandates that all vehicles, including those used for commercial purposes, carry a minimum amount of liability insurance. The minimum requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. However, businesses often purchase higher limits of coverage to better protect their assets and meet contractual requirements. Additionally, certain types of commercial vehicles, such as those that transport hazardous materials or carry passengers, may be subject to additional federal regulations and insurance requirements.