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 Minnesota, commercial auto insurance is required for vehicles used for business purposes, similar to personal auto insurance requirements. This type of policy provides coverage for physical damage to the vehicle, injuries to the driver, and liability for injuries to others or damage to their property. Minnesota law mandates that all motor vehicles, including those used commercially, carry a minimum amount of liability insurance. The minimum requirements are $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $10,000 for property damage (30/60/10). However, businesses often purchase higher limits to better protect their assets. Commercial auto policies can cover a variety of vehicles such as cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks. It's important for business owners to correctly classify their vehicles and use to ensure adequate coverage, as personal auto policies typically exclude business use. An attorney specializing in insurance law can provide specific guidance on policy options and regulatory compliance for businesses in Minnesota.