8735 Dunwoody Place STE R Atlanta, GA 30350
Your vehicles carry your name, your equipment and your people to every job. If one of them is in an accident while it’s being used for work, a personal auto policy often won’t pay, because most personal policies exclude business use. Commercial auto insurance covers the vehicles your business owns, leases or uses, along with the drivers behind the wheel.
Commercial Auto Insurance covers vehicles owned, leased, or used by a business for work purposes. Coverage typically includes:
Personal auto insurers routinely deny claims the moment they learn a vehicle was being used for business purposes at the time of an accident, leaving you to cover the damage entirely out of pocket. In most states, Commercial Auto Insurance is also a legal requirement for vehicles registered to a business or used primarily for commercial purposes.
Beyond the legal requirement, the liability risk is real. If an employee causes an accident while driving for work, your business can be held responsible for the resulting injuries, property damage, and legal costs, regardless of whether the vehicle is titled to the company or to the employee.
Price depends on how many vehicles you run and what kind, who drives them and their driving records, how the vehicles are used, the limits you choose and your claims history. Two businesses with the same van can pay very different premiums, so the only useful number is a quote on your actual setup. A licensed agent can compare that for you across several carriers.
Say one of your crew rear-ends another car while driving a company truck to a job, and the other driver is hurt. The injury claim can include medical bills, lost wages and legal costs. Commercial auto liability pays those costs up to your policy limit. If the claim is larger than your limit, the business may have to cover the difference, which is why the limit you choose matters.
Any business that uses a vehicle for work should look at commercial auto coverage, including:
State minimum limits are the legal floor, not a measure of what a serious accident costs. One bad crash can produce a claim far larger than the minimum, and the business is responsible for anything above the policy limit.
A good starting point is to match your limits to your fleet and how you use it. One van making short local runs carries a different risk than several box trucks on the highway every day. As your fleet grows, a commercial umbrella policy can add another layer of liability coverage above your auto policy.
Generally no. Most personal auto policies explicitly exclude business use, and insurers routinely deny claims once they discover the vehicle was being used for work at the time of the accident.
Yes. Even a single vehicle used for business purposes creates liability exposure that a personal auto policy will not cover. Coverage can be tailored to a single vehicle without requiring a full fleet policy.
Hired and non-owned auto coverage extends protection to vehicles your business does not own but that employees use for work purposes, such as running errands or visiting client sites in their personal car.
We compare commercial auto options from several carriers, so you aren’t stuck with the first quote you get. We help you set liability limits that fit your fleet and how you use it, not just the state minimum. And we review every vehicle and driver on the policy up front, so you find the gaps before a claim does.
Tell us what you drive and who drives it. A licensed agent will compare commercial auto options built around how your business actually operates.