The damage you cause for an at-fault accident, both to others and their vehicle
Your employee injures someone while driving their own car on a work errand
Damages and injuries caused by someone without insurance
Windshield chips or cracks
Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits. Having an insurance professional review your exposures is important in making sure you have the right limits and coverages.
Unattached tools and materials transported in your vehicle are not covered by commercial auto insurance but could be covered as part of a business owner or equipment floater policy.