Commercial Auto Insurance
Commercial Auto Insurance Information
Commercial Auto Insurance - North Carolina · South Carolina
Serving Wilmington, Jacksonville, Newport, Lexington, Summerville & surrounding communities.
If you or your employees drive during the regular course of conducting business, a commercial auto policy tailored to those drivers and vehicles should be in place. Like personal vehicle insurance, commercial auto insurance includes coverage to help pay for things like wrecks, property damage, injuries, and theft. In addition to covering drivers and vehicles, commercial auto policies are also designed to protect the businesses’ assets against accident-related lawsuits and financial hardship. All North Carolina and South Carolina drivers must carry state auto coverage minimums, while some commercial drivers are required by industry regulation to purchase additional coverage as well. Although we do not recommend stopping there as state minimums are not enough to properly protect your business from costly accidents and liability claims.
Sheally Insurance Group offers a wide range of business insurance products and would be happy to help match your needs with the policy that best suits your circumstances and budget. We also provide prompt assistance with ongoing service requests like vehicle or driver changes and claims assistance. Our agency recognizes just how essential it is to keep your fleet covered and rolling. Contact our team to get started right away!
What coverage does a commercial auto policy commonly contain?
- Bodily Injury Liability coverage applies if a driver causes an accident that results in bodily harm to others. This helps pay for medical bills and loss of income due to their injury.
- Property Damage Liability coverage pays for damages to someone else’s vehicle or property if the insured driver causes an accident.
- Uninsured & Underinsured coverage helps protect the insured if they are in an accident involving another driver who does not have any or enough insurance.
- Collision coverage helps pay for your vehicle repairs if it is involved in a covered collision with another car, building, or object.
- Comprehensive coverage helps pay for repairs to an insured vehicle that is damaged as a result of non-collision-related incidents such as fires, theft, vandalism, or falling objects.
- Medical Payments coverage helps with medical bills if the driver or their passengers get hurt in a covered wreck.
Additional Coverage Options to Consider
Other useful additions to your policy might include coverage for roadside assistance, or deductible-free glass coverage, which waives your damage deductible when damage only occurs to window glass. You can also add personal possessions coverage for your belongings, in addition to inland marine coverage, which covers tools, equipment and other cargo carried in the vehicle.
Ready to get started?
Sheally Insurance Group can provide quality commercial auto policies for fleets of any size in nearly any industry or trade. Our approach is designed to accurately assess your businesses’ exposure to risk, understand what’s most important to you, and then shop out the best rates for the coverage that you need. Contact us to get your commercial auto insurance quotes started right away!
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Who is an insured under a commercial auto policy?
Commercial auto insurance is tailored to insure both businesses that own vehicles and drivers who use those vehicles. Both parties are insured under the terms of the policy, so that the business doesn’t have to suffer an unfair loss when drivers experience wrecks. Keep in mind, however, that if you are a business owner who allows an employee to drive their personal vehicle on a business-related trip, you may need non-owned vehicle liability protection within your commercial auto insurance package. This coverage will ensure that all parties still have liability coverage while driving on behalf of the business.
Does commercial auto insurance cover personal use?
If you drive a business-owned vehicle during your off-hours, then commercial auto insurance will continue to cover you throughout that time. However, if an employee drives their personal car both for business and personal use, they either need a commercial auto policy full-time, or they can still carry a personal auto policy, while the businesses’ non-owned vehicle liability coverage will cover them only during working periods.
TOGETHER IS BETTER
It’s true! We can help business owners save money by bundling other essential commercial coverages like general liability or commercial umbrella insurance with a commercial auto policy. Let our team help you find opportunities to save!