Commercial vehicle insurance is a type of insurance policy designed to cover various vehicles used for business purposes. Coverage provided by commercial vehicle insurance can vary based on the insurance company and specific policy, but generally, it includes the following components:

Liability coverage: This is the key component of commercial vehicle insurance. It covers liability for bodily injury and property damage if your vehicle is involved in an accident that results in injury to other people or damage to their property. This coverage helps pay medical bills, legal expenses, and property repair costs.

Comprehensive Coverage: This covers damage to your vehicle due to non-collision incidents like theft, vandalism, fire, natural disasters and falling objects.Collision coverage: This covers damage to your vehicle due to collision with another vehicle or object.

Medical Payment Coverage: This covers medical expenses for you and your passengers if you are injured in an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage: Provides coverage if you are involved in an accident with a driver who has no insurance or insufficient coverage to cover your loss.

Cargo coverage: If your commercial vehicle carries goods or cargo, this coverage can protect against loss or damage to the cargo during transit.

Rental Reimbursement: This coverage helps pay for a rental vehicle while your insured commercial vehicle is being repaired due to a covered claim.

Towing and Roadside Assistance: This covers the cost of towing your commercial vehicle and providing roadside assistance services such as tire changes, jump-starts and fuel deliveries.

Non-Owned/Hired Auto Liability: If your business uses employees' personal vehicles for work purposes or if you rent/hire vehicles, this coverage can protect against liability claims arising from accidents involving those vehicles.

Loading and Unloading Liability: If your business involves the transportation of goods, this coverage can protect against liability claims when damage or injury occurs while loading or unloading cargo.

Customized Coverage: Depending on your business needs, you can often customize your commercial vehicle insurance with additional coverage options, such as coverage for special equipment, trailers, and more.

It is important to note that the exact coverage and limits of a commercial vehicle insurance policy depends on the type of vehicle insured, the nature of the business, the number of vehicles, the driving history of employees and the region in which the vehicles operate. Before purchasing a policy, it is recommended to work closely with an insurance agent to tailor coverage to your specific business needs and to ensure you have a clear understanding of what is covered and any exclusions or limitations.