What type of loss does commercial motor insurance cover?

Commercial motor insurance primarily covers loss or damage to vehicles used for business purposes, including not just the vehicle itself but also its accessories. This means that if a commercial vehicle is damaged in an accident, or if it is destroyed due to a theft, the policy will typically compensate for the loss of the vehicle and any integral parts or accessories associated with it.

While other options may seem relevant, they do not encompass the full scope of coverage provided by commercial motor insurance. For instance, the focus of commercial motor insurance is on the vehicle rather than specifically on theft, injuries, or damage to nearby properties. Therefore, option B accurately reflects the primary coverage intention of commercial motor insurance.