Small business owners operate on limited budgets. They have to determine which items serve as necessities and which are optional. Commercial auto insurance must fall under the essential category, as one incident could put the owner out of business. What does a commercial auto insurance policy cover, and why do businesses of any size need it? Who Needs Commercial Auto Insurance? With insurance for commercial vehicles, a person might assume they don’t need this coverage, as they only work part time or they function as an independent contractor. However, anyone who uses their vehicle for work requires this coverage. A commercial…