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 Virginia (VA), commercial auto insurance is required for vehicles used for business purposes. 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. Virginia law mandates that all motor vehicles, including those used for business, have a minimum amount of liability insurance. The minimum requirements are $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons, and $20,000 for property damage. However, businesses often purchase higher limits of coverage through commercial auto policies to better protect against the risks associated with business vehicle operations. The types of vehicles typically covered under commercial auto insurance in Virginia include cars, vans, pickup trucks, box trucks, service utility trucks, and food trucks. It is important for businesses to accurately classify their vehicles and usage to ensure proper coverage, as personal auto insurance policies may not cover vehicles when they are used for business purposes.