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The Commercial Automobile Liability policy provides protection against legal liability arising out of ownership, maintenance, or use of any insured automobile and agrees to pay damages for bodily injury or property damage for which an insured is responsible because of an automobile accident. In addition to the policy limits, the insurer also agrees to pay.

The Automobile insuring agreement extends coverage for Medical Expenses incurred by the insured, Uninsured Motorist coverage (policy will respond to an insured who is injured by an uninsured motorist, or a hit-and-run driver), and Underinsured Motorist coverage (policy will respond to an insured when the liability limits carried by the at-fault driver are insufficient to pay for damages for which the driver is responsible).

Coverage can also be extended to include Physical Damage coverage for a covered auto. Collision coverage results from impact with another object or overturn; Comprehensive coverage results from loss other than collision or overturn, including glass breakage, hitting a bird or animal, falling objects and theft. Various other coverages can be endorsed to the policy including broadened Personal Injury Protection, Rental Reimbursement, Towing, Hired Physical Damage coverage, and Motor Truck Cargo.