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 Kansas, commercial auto insurance is required for vehicles used for business purposes, similar to personal auto insurance requirements. This type of insurance provides coverage for damage to the insured vehicles, injuries to the drivers, and potential liabilities for injuries to others or damage to their property. Kansas state law mandates that all vehicles, including those used commercially, must carry minimum liability insurance. The minimum requirements are $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage. However, businesses often purchase higher limits in commercial auto policies to ensure adequate protection against the higher risks associated with business operations. The types of vehicles covered under commercial auto insurance in Kansas typically include cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks. It's important for businesses to accurately classify their vehicles and usage to ensure proper coverage, as personal auto policies may not cover incidents that occur during business use.