What type of vehicles does commercial auto insurance specifically cover?

Commercial auto insurance is designed to cover vehicles that are used primarily for business purposes. This insurance is essential for businesses that utilize vehicles as part of their operations. Such vehicles can include delivery vans, service trucks, or cars used by sales representatives to visit clients. The coverage helps protect the business against risks associated with accidents, liability, and damage that can occur while driving these vehicles within the scope of business activities.

It is important to understand that commercial auto insurance does not extend to personal vehicles used for vacations or leisure activities, as those are typically covered under personal auto insurance policies. Additionally, while trucks used for deliveries are covered under commercial policies, the insurance is not limited to just those vehicles. Rental cars used solely for personal use or personal liability are also not included in commercial auto insurance, even if they are rented for business operations. However, if a rented vehicle is specifically used for business-related tasks, coverage could potentially apply, but this would be subject to the terms of the policy.