A quality Commercial Auto policy will cover the vehicles your business owns as well as the people who drive them. Insurance covers these crucial vehicles separately because they are often exposed to different risks than a personal vehicle.
These policies cover the vehicle being driven and the injuries owners or employees might cause to others and their property while driving. Costs vary widely in this category of insurance because of the variables involved. (Does your business own a Fiat or a fleet? Bus or semi? Five drivers or 50?)
This Trusted Choice article provides helpful details on average rates and what determines those rates, from driving records to auto values: https://www.trustedchoice.com/commercial-vehicle-insurance/compare-coverage/rate-cost/