Which loss would typically be covered under a commercial auto policy?

A commercial auto policy is specifically designed to provide coverage for vehicles used for business purposes. Injuries resulting from vehicular accidents fall squarely within the scope of this coverage. This is because commercial auto insurance is primarily intended to protect businesses against liability that arises when an employee or agent is driving a company vehicle and causes harm to another person or property.

Injuries from vehicular accidents can lead to significant liability claims, covering medical expenses, rehabilitation costs, and potentially even lost wages for the injured parties. The commercial auto policy therefore provides critical financial protection in these situations, ensuring that businesses can handle such claims without facing devastating financial consequences.

Other types of claims, such as emotional distress claims, are not typically included in the coverage offered by commercial auto policies, as they diverge from the direct effects of vehicular accidents. Additionally, intentional acts by the insured are generally excluded from coverage, as insurance is meant to provide a safety net for unforeseen events rather than for deliberate actions. Similarly, property damage resulting from criminal activity is often not covered under commercial auto policies because insurance typically excludes losses arising from illegal acts.