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 Washington State, 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 accidents or other incidents. Businesses operating vehicles in Washington are required to carry a minimum amount of commercial auto insurance, which is enforced by the Washington State Department of Licensing. The specific requirements can vary based on factors such as the type and use of the vehicle, and it is important for business owners to work with an attorney or an insurance agent to ensure they have the appropriate level of coverage to comply with state regulations and adequately protect their business interests.