Why might a business owner opt for commercial auto insurance?

A business owner would choose commercial auto insurance primarily to protect business-related transportation needs. This type of insurance is specifically designed to cover vehicles used for business activities, which can include transporting goods, delivering products, or commuting to client meetings. It provides coverage for liabilities and damages that may arise from vehicle use in the course of business operations, ensuring that the business is protected against potential financial losses from accidents or damages involving company vehicles.

In the context of a business, this coverage helps safeguard the assets tied to operational activities and can be critical for maintaining the business’s financial stability. It is tailored to meet the unique requirements of commercial vehicle use, offering greater coverage limits and specific liabilities that a standard personal auto policy might not adequately address.

The other choices do not align with the purpose of commercial auto insurance. Personal insurance requirements and leisure travel fall under different categories of coverage, while reducing employee benefits costs is unrelated to vehicle insurance needs. Thus, the selection of commercial auto insurance is a strategic decision focused on ensuring comprehensive protection for business operations involving transportation.