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Commercial auto insurance
Published 2026-06-12 · by Brokly
In plain terms: Covers vehicles used for business — personal auto policies often don't cover delivery and other commercial use, which is why this coverage exists.
Why it matters to you
If you drive to job sites, haul tools, or deliver, a personal policy can decline the claim precisely when the trip was for work. Commercial auto closes that gap and is what contracts mean when they ask for "automobile liability."
Where you’ll see it
Contracts and bids ask for it whenever the work involves driving; states set their own minimums for business vehicles, and registration or licensing can require proof.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.
Sources: NAIC — Glossary of Insurance Terms (Commercial Auto) (retrieved 2026-06-12)