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 Hawaii, commercial auto insurance is required for vehicles used for business purposes, similar to personal auto insurance requirements. This type of insurance helps protect against financial losses from vehicle damage, driver injuries, injuries to others, and damage to other people's property resulting from a vehicle accident. The state of Hawaii mandates that all vehicles, including those used for commercial purposes, have a minimum amount of liability insurance. The minimum liability coverage required in Hawaii includes bodily injury liability, property damage liability, personal injury protection, and uninsured motorist coverage. Commercial auto policies typically offer higher limits and additional coverage options to meet the specific needs of businesses, which may involve a higher level of risk compared to personal vehicle use. Coverage can extend to various types of vehicles used for business, including cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks. Business owners should work with an attorney or an insurance agent to ensure that their policy meets the state's requirements and adequately protects their business assets.