A commercial insurance policy is an insurance policy that is issued to cover many or all of the vehicles that are operated by a company’s employees for business purposes.  Commercial motor vehicles are sometimes covered by commercial insurance policies. Commercial policies vary in many ways. Typically, commercial policies provide a million dollars in coverage or more for damages caused to others by the company employees in the regular course of doing business. Some policies are commercial general liability policies that specifically only cover others for damages caused by the employee. That is, if you are an employee of the company, the policy will not cover you for bodily injuries in an accident.