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 Massachusetts, 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 business vehicle, injuries to the driver, and liabilities for injuries or damages caused to third parties. Massachusetts law mandates that all vehicles, including those used for commercial purposes, have a minimum level of liability insurance. The minimum requirements include coverage for bodily injury to others, personal injury protection, bodily injury caused by an uninsured auto, and damage to someone else's property. However, businesses often opt for higher coverage limits than the state minimum to better protect their assets and operations. Commercial auto policies can cover various types of vehicles such as cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks. It's important for businesses to accurately disclose the intended use of the vehicles to ensure proper coverage and to comply with state regulations.