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 New Jersey, commercial auto insurance is required for vehicles used for business purposes. This type of insurance provides coverage for damage to the insured vehicle, injuries to the driver, and liabilities for injuries or damages caused to third parties. New Jersey mandates certain minimum coverage limits for commercial auto insurance, which are typically higher than those for personal auto insurance to account for the increased risks associated with business use. The specific types of vehicles covered can range from cars and vans to specialized vehicles like box trucks and food trucks. Business owners must ensure that their commercial vehicles are adequately insured to comply with state regulations and to protect their assets from the financial implications of accidents and other on-road incidents.