A commercial auto policy contains many standard auto coverage elements.
Liability Insurance: Insures you against the damage you cause others if you are at-fault in an accident. Most states will require you to carry this coverage.
Bodily injury liability coverage pays for medical bills (and in some cases deaths)
Property damage liability pays for damage to the others' property, like their vehicles.
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for damage from non-accident mishaps, like theft or weather damage.
Medical Coverage: Pays for your own medical bills and those of your passengers. It may also cover death expenses.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Keep in mind, if you have vehicles like conversion vans or semi-trucks, you may need extra coverage. You also might need cargo or personal effects protection. You agent can guide you through the selection process.