Commercial Auto Insurance

Commercial Auto Insurance

Protect Your Business Vehicles & Employees on the Road

Whether you own a single company car or manage a fleet of work trucks, commercial auto insurance provides essential protection for business vehicles, drivers, and liability risks.



At Insured Carolina, we help businesses find affordable, tailored commercial auto insurance that keeps operations running smoothly and protects against costly accidents.

What Is Commercial Auto Insurance?

Commercial auto insurance is designed to cover vehicles used for business purposes. Unlike personal auto insurance, which excludes commercial use, a commercial auto policy provides coverage for:


  • Company-owned vehicles used for business
  • Employees who drive for work purposes
  • Liability coverage for accidents involving business vehicles
  • Physical damage protection for work trucks, vans, and cars


Who Needs Commercial Auto Insurance?


  • Small businesses that use vehicles for deliveries or client visits
  • Contractors with work trucks and vans
  • Rideshare and delivery drivers
  • Businesses with employees who drive company cars


Tip: Even if your business doesn’t own vehicles, you may need Hired & Non-Owned Auto Insurance to cover employees using personal cars for work.

What Does a Business Owner’s Policy Cover?

Liability Coverage (Required by Law)

  • Bodily Injury Liability – Covers medical expenses and legal fees if your driver injures someone.
  • Property Damage Liability – Pays for damage your driver causes to another person’s car or property.

Collision Coverage

  • Pays to repair or replace your business vehicle after an accident, regardless of fault.

Comprehensive Coverage

  • Covers non-accident damage, including theft, vandalism, fire, floods, and falling objects.

Uninsured/Underinsured Motorist Protection

  • Covers costs if your business vehicle is hit by a driver without insurance.

Medical Payments (MedPay) or Personal Injury Protection (PIP)

  • Helps cover medical bills for your drivers and passengers after an accident.

Hired & Non-Owned Auto Coverage

  • Covers employee-owned vehicles used for work-related tasks.
  • Protects rented or leased business vehicles.

What’s NOT Covered by Commercial Auto Insurance?

Commercial auto policies do not typically cover:



  • Personal-use vehicles not used for business purposes
  • Employee personal belongings inside a work vehicle
  • Intentional damage or illegal activity
  • Mechanical breakdowns or wear-and-tear repairs


If your business requires specialized coverage, consider adding endorsements such as rental reimbursement, cargo insurance, or roadside assistance.

How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance depends on:


  • Number of vehicles – Larger fleets cost more to insure.
  • Vehicle type & usage – Heavy-duty trucks have higher premiums than sedans.
  • Driving records – A history of accidents or violations increases costs.
  • Coverage limits – Higher limits provide more protection but cost more.

Average Commercial Auto Insurance Costs:

Business Type Average Monthly Cost
Small Business with 1-2 Vehicles $100 – $200 per vehicle
Contractors & Construction Companies $150 – $250 per vehicle
Delivery & Transport Companies $300 – $500 per vehicle
Rideshare & Food Delivery Drivers $150 – $400 per vehicle

Tip: Businesses with safe driving programs and vehicle tracking systems may qualify for discounts on their commercial auto policy.

Why Do Businesses Need Commercial Auto Insurance?

  • Legally Required – Most states require businesses to carry liability insurance for work vehicles.
  • Protects Your Finances – Without insurance, your business pays out-of-pocket for accidents and lawsuits.
  • Covers Employee Drivers – Ensures employees and vehicles are covered in case of an accident.
  • Safeguards Company Assets – Helps repair or replace business vehicles after an accident.


Without commercial auto insurance, a single accident could bankrupt a small business.

When Should You Get Commercial Auto Insurance?

  • Buying or leasing business vehicles? You’ll need insurance before registration.
  • Hiring employees to drive for work? You must cover all business-related driving.
  • Expanding delivery or service operations? More coverage may be required.
  • Using personal cars for work? Consider Hired & Non-Owned Auto Insurance.

How to Choose the Right Commercial Auto Insurance Policy

  • Assess business vehicle usage – Determine how often your employees drive for work.
  • Consider fleet size – More vehicles = higher liability risks.
  • Look at state requirements – Some states mandate higher liability limits.
  • Compare multiple insurers – Insured Carolina helps find the best policy at the best price.


At Insured Carolina, we partner with top-rated insurance providers to find the best coverage at competitive rates.


📞 Call: 864-688-9707

📩 Email: joshua@insuredcarolina.com


Why Choose Insured Carolina for Commercial Auto Insurance?

  • Custom coverage solutions – Policies tailored to your business needs.
  • Competitive pricing – Get the best rates from trusted insurance providers.
  • Quick claims process – Hassle-free support when you need it most.
  • Multi-policy discounts – Save more by bundling with general liability or BOP coverage.


📞 Call us today for a free quote: 864-688-9707
📩 Email us: joshua@insuredcarolina.com

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