There are a number of parts to a commercial auto insurance policy - some are required and others are just good to have, if you have the cash to pay for them. The more you add to your package, of course, the more expensive your premium. Liability will be the biggest factor in your business auto policy when it comes to protecting your business. Property damage liability will cover the cost of damages done to property and structures not owned by your employee or business in the event of an accident.
Medical payments is another part of a policy that is required by most states.
If your employee is in an accident and the other person involved is hurt, it will cover the cost of treatments that person needs. Although many states don't require collision and comprehensive insurance, it's good to have since it will protect your property. Comprehensive coverage takes effect if your car is broken into, vandalized, or damaged during a natural disaster. This type of coverage gets tricky, but basically if you are involved in an accident with a driver who has inadequate insurance coverage, or none at all, this will kick in and cover damages and injuries. Other extras include towing and rental reimbursement.