Final answer:
The owner of a trucking fleet would need a commercial automobile policy to cover the vehicles for business use and protect against liability and physical damage claims.
Step-by-step explanation:
The individual or entity that would have a need for a commercial automobile policy out of the options provided is the owner of a trucking fleet. A commercial automobile policy is tailored for businesses that involve the use of vehicles for commercial purposes, such as transporting goods or passengers. This type of policy would cover the trucks in the fleet and protect the business from potential liability and physical damage claims arising from the operation of these vehicles. An individual with two autos, a homeowner without specified business use of vehicles, and a farmer without the need for commercial vehicle use would typically rely on personal car insurance, homeowner's insurance, and possibly a farm owner's policy that could include coverage for vehicles used primarily on the farm, but not for general commercial use.