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 Dakota, commercial auto insurance is designed to provide coverage for vehicles used for business purposes, which can include a range of vehicles from cars and vans to box trucks and food trucks. This type of insurance is crucial for businesses as it not only covers damages to the insured vehicles but also provides protection for driver injuries, injuries to third parties, and damage to third-party property. Given the higher risks associated with business use, commercial auto policies typically offer higher coverage limits compared to personal auto insurance policies, ensuring that businesses have adequate protection in the event of an accident. It's important for businesses operating in South Dakota to ensure their commercial vehicles are properly insured in compliance with state regulations, which mandate minimum liability coverage to legally operate a vehicle on public roads. Businesses should consult with an attorney or an insurance agent to determine the appropriate level of coverage for their specific needs and to ensure they meet all legal requirements for commercial vehicle insurance in the state.