What type of policy is recommended for individuals who frequently transport goods for commercial purposes?

The recommended type of policy for individuals who frequently transport goods for commercial purposes is the Commercial Auto Policy. This policy is specifically designed to cover vehicles used primarily for business operations, including transporting goods, products, or passengers as part of a commercial endeavor. It provides coverage for liability, damage, and other risks associated with using a vehicle for business purposes, which are not adequately covered by a Personal Auto Policy.

A Personal Auto Policy, while it may offer basic coverage for personal vehicle use, does not extend sufficient protection for vehicles used in a business context. This can lead to significant exposure if an accident occurs while engaging in commercial activities.

A Business Liability Policy focuses on protecting businesses from general liability claims and does not provide coverage for vehicles used in the transport of goods.

An Occupational Vehicle Policy, while it might sound relevant, is not a commonly recognized term in insurance and does not correspond to a specific type of coverage that addresses the needs of those transporting goods for commercial purposes.

Thus, the Commercial Auto Policy is the appropriate choice, ensuring that individuals are adequately protected when using their vehicles for business-related activities.