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 Louisiana (LA), commercial auto insurance is regulated by the Louisiana Department of Insurance. This type of insurance is designed to provide coverage for vehicles used for business purposes, including cars, vans, trucks, and specialized vehicles like food trucks. The coverage typically includes protection for vehicle damage, driver injury, injuries to others, and damage to other people's property. Given the higher risks associated with business use, commercial auto policies usually offer higher coverage limits than personal auto insurance policies. Louisiana requires all vehicles, including those used for business purposes, to carry minimum liability insurance to cover bodily injury and property damage. However, businesses often purchase higher limits and additional coverages to protect their assets adequately. It's important for business owners to work with an attorney or an insurance agent to ensure that their policy meets the specific needs of their business and complies with Louisiana state regulations.