Commercial auto insurance covers risks such as accidents, property damage, bodily injury liability, medical payments, uninsured/underinsured motorists, collision, and comprehensive damages. It protects businesses from financial losses if company-owned vehicles are involved in crashes, vandalism, theft, or natural disasters. Liability coverage pays for third-party injuries and damages if the business driver is at fault, while collision covers repairs to the company vehicle. Comprehensive insurance addresses non-collision events like fire, weather damage, or theft. Medical payments coverage handles medical expenses for the driver and passengers, regardless of fault. Uninsured/underinsured motorist protection applies when another driver lacks sufficient coverage. Some policies may also cover towing, rental reimbursement, and employees using personal vehicles for business purposes. Exclusions typically include intentional damage, unauthorized use, and personal use of business vehicles without endorsement. Coverage varies by policy, so businesses should tailor their insurance to fit their needs.