Commercial automobile coverage is similar to the coverage you may carry on your personal auto, however commercial automobile exposures can be more complex. Specialty coverages for your vehicle must be considered based on the individual needs of your business. Basically, commercial automobile coverage can protect your company from any liability stemming from vehicles used in your business, or any damage to the covered automobile. Automobiles can be separately scheduled along with corresponding coverages. Coverage can differ by vehicle and a symbol or multiple symbols will designate the coverage assigned to a scheduled auto. The automobiles are classified by weight (light, medium, heavy, extra heavy) and by type of use (private passenger, service, commercial).
Source : Massachusetts Division of Insurance Small Business Guide to Commercial Insurance www.mass.gov\doi