Define "commercial auto insurance".

Commercial auto insurance is specifically designed to cover vehicles that are used primarily for business purposes. This type of insurance provides protection for vehicles owned or leased by a business and is essential for businesses that rely on their vehicles to conduct operations, transport goods, or provide services. This coverage can extend to various types of vehicles, including cars, trucks, vans, and even certain types of specialized vehicles.

The importance of the correct answer lies in its focus on the purpose of the vehicle; commercial auto insurance protects against liabilities that arise from the use of vehicles in a business context, which includes coverage for accidents, damages, and bodily injury. In contrast, personal auto insurance typically does not provide adequate protection for vehicles used for business purposes, making commercial auto insurance a distinct category.

The other options encompass aspects of vehicle use but do not accurately define the insurance product. For example, while personal vehicles might be used for business, they would typically need additional coverage to address the unique risks involved. Therefore, it's the explicit focus on vehicles used for business purposes that makes commercial auto insurance vital for businesses rather than simply covering all types of vehicles or only fleet vehicles.