Commercial Auto insurance provides all of the coverages that the insured should need if he/she owns, leases or hires vehicles. It also covers the insured for the non-owned usage of a vehicle when an employee or volunteer uses their vehicle on company business. The policy can cover all owned, leased, hired and non-owned autos or can be more selective.
For example: One of your employees rear-ends another driver while driving your company vehicle, causing damage to the other vehicle. If the other driver sues, the commercial auto policy will cover the cost of legal proceedings and claim settlement.