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In the context of a dealership selling vehicles on consignment, the appropriate type of policy needed to cover those vehicles against fire loss is a non-owned automobile policy. This policy is specifically designed to provide coverage for vehicles that are not owned by the insured but are in their care, custody, or control.

When vehicles are sold on consignment, they are still the property of the original owner until sold, which means that the dealership must have coverage for those vehicles while they are in their possession. A non-owned automobile policy would protect the dealership from potential fire loss or damage to these vehicles while they are being held for sale.

The other policies do not fit this specific scenario. A commercial auto policy typically covers vehicles that are owned by a business and used for its operations. A motor truck cargo policy provides coverage for goods being transported, not vehicles on consignment. A garage liability policy is designed for businesses that provide services related to vehicle maintenance and repair and does not cover fire loss for vehicles on consignment.