Commercial Auto Insurance in Norcross & Roswell, GA
Commercial auto insurance is designed to provide financial protection for vehicles used for business operations. Unlike personal auto insurance, which can benefit individual drivers and private use, commercial auto policies can offer higher liability limits to address the unique risks businesses face.
What Does Commercial Auto Insurance Cover?
A standard policy typically provides a wide range of coverage for business vehicles and drivers, such as the following:
- Damage to your company vehicle from a collision
- Third-party injuries or property damage caused to others
- Theft or vandalism of a company-owned vehicle
- Damage from non-collision events, such as fire or severe weather
- Accidents involving at-fault uninsured or underinsured drivers
- Legal fees and related costs arising from covered events
It’s important to note that standard policies often exclude routine maintenance costs, mechanical breakdowns and wear and tear on your vehicles. Personal belongings inside the car, intentional damage and accidents occurring during illegal activities are also not covered. Additionally, if your business uses specialized equipment or transports hazardous materials, you may need separate policies.
Who Needs This Coverage?
Georgia law requires all business-owned vehicles to have commercial auto insurance. Driving without it can result in fines, license suspension and even jail time. Beyond the legal requirements, carrying this coverage can benefit any company that uses vehicles for work purposes, including the following:
- Contractors and tradespeople transporting tools and equipment
- Restaurants and caterers operating food trucks or delivery vans
- Retailers and couriers delivering goods to customers
- Sales and service professionals visiting clients on-site
- Logistics and transportation companies managing multiple vehicles
Find Commercial Auto Insurance Near You
At Discount Insurance, our team is dedicated to helping you find the right commercial auto insurance solutions tailored to your needs. Contact us today to learn more.