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COMMERCIAL AUTO INSURANCE · GEORGIA

Commercial auto insurance for Georgia businesses.

Personal auto policies exclude commercial use. If you or your employees drive vehicles for business purposes, whether deliveries, client visits, or hauling equipment, you need commercial auto. A personal policy denial after a business-related accident is one of the most common and most avoidable coverage gaps.

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WHAT'S COVERED

What commercial auto insurance covers

Commercial Auto Liability

Covers bodily injury and property damage caused to others by your commercial vehicle. Required by law for business vehicles.

Physical Damage (Collision and Comprehensive)

Covers physical damage to your commercial vehicles from accidents, theft, and weather.

Hired and Non-Owned Auto

Covers company use of employee-owned or rented vehicles when they are used for business.

IMPORTANT LIMITATIONS

What commercial auto does not cover

Personal use exclusions

Personal use of vehicles not disclosed to the carrier may affect commercial auto claims.

Employee injury (workers comp)

Employee injuries from vehicle accidents may require workers comp, not just commercial auto.

Rideshare carrier operations

Vehicles used for rideshare platforms as a commercial carrier have different requirements.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Using vehicles for your Georgia business?

If you or your employees drive any vehicle for business purposes, you need commercial auto. Send us the vehicles and business use details and we will compare carriers.

$1,200 to $7,500 per year depending on vehicles and usage

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