Commercial Vehicle Insurance

Commercial Vehicles

If your business relies on vehicles to get the job done, commercial auto liability insurance is a necessity. This coverage shields any company-owned or leased vehicle, and most policies bundle collision and damage protection alongside property and personal injury coverage for third parties.

Think of it this way: you would never drive your personal car without insurance. The same logic applies to the trucks, vans, and cars your company depends on every day along the I-85 corridor and across the Piedmont region. When you or one of your employees is involved in an accident while driving a business vehicle, your company could face claims for medical costs, lost wages, and property damage.

Standard coverage options include:

Bodily Injury Liability - Covers damages related to physical injuries sustained by others when your business is found at fault.

Property Damage Liability - Pays for damage your commercial vehicle causes to someone else's property when you are legally responsible.

Medical Payments - Handles reasonable medical bills and funeral costs for anyone hurt while riding in, boarding, or exiting your business vehicle.

Personal Injury Protection - Takes care of hospital visits, rehab, lost income, and related costs when you or a household family member suffers injuries. Death and survivor benefits may also apply.

You can also add these optional protections:

Comprehensive - Guards against non-collision losses like theft, weather events, vandalism, and falling debris, subject to your policy deductible.

Collision - Pays for collision-related damage to your commercial vehicle, regardless of who caused the wreck.

Uninsured Motorist - Lets you recover bodily injury damages when the at-fault driver carries no insurance at all.

Underinsured Motorist - Steps in when the other driver is at fault but their liability limits fall short of covering your injuries.

Additional Expense - Reimburses necessary costs that come up after a covered comprehensive or collision loss, including rental vehicles, meals, hotel stays, and other incidental charges.

Hired Auto Liability Coverage - Protects your business when you use vehicles hired under contract or temporarily loaned to you.

Hired Auto Physical Damage - Applies to any vehicle type that your business hires, borrows, or leases on a short-term basis for company use.

Employer's Non-Ownership Liability - Covers personal vehicles used for business purposes by your employees, as well as occasional commercial vehicle use by staff members.

Inland Marine / Cargo Coverage - Provides protection for goods and equipment in transit across the Carolinas and beyond, whether shipped by truck or rail.