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 Idaho, commercial auto insurance is designed to protect businesses and their employees when vehicles are used for business-related activities. This type of insurance is crucial for companies that rely on transportation, as it provides higher coverage limits than personal auto insurance policies, reflecting the increased risks associated with business vehicle operations. Coverage typically includes damage to the business's vehicles, injuries to the drivers, and liabilities for injuries or damages caused to third parties. The range of vehicles covered can vary but generally encompasses cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks, among others. Idaho state law requires all vehicles, including those used for commercial purposes, to have a minimum amount of liability insurance to cover bodily injury and property damage. However, businesses often opt for higher limits and additional coverages to better protect their assets and operations. It's important for businesses to work with an attorney or an insurance agent to ensure that their policy meets the specific needs of their business and complies with Idaho regulations.