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 South Carolina, 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. South Carolina mandates that all motor vehicles operated on its roads have a minimum amount of liability insurance. The minimum coverage amounts for commercial vehicles may be higher than for personal vehicles, reflecting the greater potential risks and financial responsibilities associated with business operations. The specific types of vehicles covered can range from cars and vans to specialized trucks like box trucks, utility trucks, and food trucks. Business owners should ensure that their commercial auto insurance policy meets or exceeds the state's minimum requirements and provides adequate protection for their particular type of vehicle and business use.