Commercial Auto Insurance in Tucker, GA
Whether you have a small business with a single delivery van or a large company with a fleet of trucks, having the right commercial auto insurance is essential to protect your business from potential financial losses.
Contact All Insurance Multiservices to learn about your commercial auto insurance options and get a personalized quote.
Do I Need Commercial Auto Insurance?
Commercial auto insurance is necessary if you own a business in Georgia and use vehicles for work purposes. Unlike personal auto insurance, which covers vehicles used for personal reasons, commercial auto insurance covers vehicles used in business operations.
In Georgia, the law requires businesses to carry commercial auto insurance if they use vehicles for business purposes, including the following:
- Transporting goods—If your business involves delivering goods, such as transporting products to customers or carrying inventory between locations, you need commercial auto insurance.
- Providing services—Commercial auto insurance is necessary if your business provides services and uses vehicles to travel to client locations, such as contractors, plumbers or electricians.
- Employee transportation—Commercial auto insurance is required if your business provides company vehicles for employees to use for work-related tasks.
How Does Commercial Auto Insurance Work?
Commercial auto insurance functions similarly to personal auto insurance, but it is tailored to the specific needs of businesses. It may cover liability, property damage and medical expenses in case of accidents involving business vehicles.
Your agent may recommend multiple policies and endorsements, including the following:
- Commercial auto liability coverage is required according to Georgia’s laws. It helps protect your business from financial responsibility if your vehicle is involved in an accident that causes injuries or property damage to others.
- Physical damage coverage typically includes comprehensive and collision insurance, which may help pay to repair or replace the covered company vehicle after a damage-causing accident or incident.
- Uninsured/underinsured motorist coverage may help provide financial protection if one of your commercial vehicles is involved in an accident with an uninsured or underinsured driver. It may help cover medical expenses and property damage when the at-fault driver cannot pay.
- Medical payments (MedPay) may help cover expenses for your company driver and passengers in case of an accident, regardless of who is at fault. This coverage can be beneficial, especially if employees frequently travel in your business vehicles.
- Hired and non-owned auto coverage can help provide liability protection if your company rents, leases or borrows vehicles for use in normal business activities.
Contact Us
Contact All Insurance Multiservices in Tucker, GA, to start comparing commercial auto insurance quotes.