Commercial Auto Insurance
Comprehensive fleet and commercial vehicle insurance for businesses of all sizes across Georgia. From single work trucks to large transportation fleets, we\'ll find the right coverage at competitive rates. Our commercial auto specialists understand the unique insurance needs of contractors, delivery services, freight haulers, and every type of business that depends on vehicles.
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What's Covered
Comprehensive protection tailored to your specific needs.
Commercial Auto Liability
Covers bodily injury and property damage your business vehicles cause to others. Required by Georgia law and often required at higher limits by contracts. Protects your business assets from costly lawsuits resulting from accidents.
Physical Damage Coverage
Comprehensive collision and comprehensive coverage for your commercial vehicles and fleet. Covers repair or replacement costs after accidents, theft, vandalism, fire, and weather damage. Essential for protecting your business vehicle investment.
Cargo Insurance
Protection for goods and materials being transported in your commercial vehicles. Covers damage, theft, or loss of cargo due to accidents, weather, or other covered perils. Critical for delivery businesses, contractors, and freight haulers.
Hired & Non-Owned Auto Coverage
Protects your business when employees use personal vehicles for business purposes or when you rent vehicles. Covers liability gaps not covered by personal auto policies. Essential for businesses without company vehicles but whose employees drive for work.
Uninsured/Underinsured Motorist
Protection if your business vehicle is hit by a driver without insurance or with insufficient coverage. Covers vehicle damage and medical expenses. Important given the high number of uninsured drivers on Georgia roads.
Medical Payments Coverage
Covers medical expenses for drivers and passengers in your commercial vehicles after an accident, regardless of fault. Provides immediate payment for medical bills, ambulance costs, and hospital treatment.
Rental Reimbursement
Pays for replacement vehicles while yours are being repaired after a covered claim. Keeps your business operations running smoothly without interruption. Particularly important for businesses dependent on vehicle access.
Trailer & Equipment Coverage
Protection for attached and detached trailers, specialized equipment mounted on vehicles, and tools stored in commercial vehicles. Covers theft, damage, and loss of business equipment and trailers.
Towing & Roadside Assistance
Emergency 24/7 coverage for towing, flat tire changes, jump starts, lockout service, and fuel delivery for your commercial fleet. Minimizes downtime and gets your business back on the road quickly.
Motor Truck Cargo Legal Liability
Required for many trucking operations, this covers your legal liability for damage to cargo you're hauling for others. Different from cargo insurance—this covers your liability when transporting someone else's property.
Commercial Umbrella Coverage
Additional liability protection beyond your base commercial auto limits. Provides $1-5 million in extra coverage for catastrophic accidents. Affordable way to protect business and personal assets from severe claims.
Downtime Coverage
Reimburses lost income when your commercial vehicles are out of service due to a covered claim. Helps offset the financial impact of vehicle downtime on your business operations and revenue.
Why Get Coverage Through Us?
Frequently Asked Questions
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What vehicles need commercial auto insurance?
How much does commercial auto insurance cost in Georgia?
Do I need commercial auto if I use my personal car for business occasionally?
What liability limits do I need for commercial auto in Georgia?
What's the difference between primary and non-owned auto coverage?
Does commercial auto insurance cover drivers under 25?
Get Fleet Coverage Today
Protect your commercial vehicles with comprehensive coverage tailored to your business operations. Quick quotes and certificates of insurance available—most certificates issued same-day for urgent contract needs. Free, no-obligation quotes for all commercial vehicle insurance needs.