What type of risks does commercial auto insurance mitigate?

Commercial auto insurance is specifically designed to mitigate risks related to business operations that utilize vehicles. This type of insurance covers a range of scenarios, such as vehicles owned by a business, vehicles used for business purposes, and liabilities that may arise from the operation of these vehicles. For instance, if an employee is driving a company vehicle while on the job and gets into an accident, commercial auto insurance would cover the damages and liabilities associated with that incident.

In contrast, everyday commuting risks, personal use of vehicles, and driving under the influence typically fall under other types of insurance or legal coverage. Commuting risks are more related to personal auto insurance policies, while risks from personal use do not align with the primary purpose of commercial auto insurance. Driving under the influence is a legal issue and does not pertain to the coverage offered by commercial auto policies, which focus specifically on business-related use of vehicles.