Commercial auto liability coverage provides protection for vehicles owned or leased by a business. Policies usually include physical damage coverage for your vehicle as well as bodily injury and property damage to others.
Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are injured or property is damaged. Most states set a minimum amount of required commercial auto liability insurance (or proof of financial responsibility.
Some states require uninsured/underinsured motorist coverage to protect you when the at-fault driver is unable to pay the total cost of damages. Collision or comprehensive insurance is generally optional.