Commercial Auto Insurance

Georgia companies that use vehicles to conduct business are required by state law to maintain minimum commercial auto insurance liability coverage. Depending on your needs, your agent may recommend tailoring your coverage to include other applicable policies and endorsements.  

Contact Total Insurance in Kennesaw, Georgia, to learn more about your company’s commercial auto insurance options. 

What Is Commercial Auto Insurance? 
Commercial auto insurance is a specialized type of insurance that covers vehicles used for business purposes. In Georgia, commercial auto insurance is a vital investment if you use vehicles for your business, whether it’s a single truck or a fleet of vehicles. This insurance coverage may help provide financial protection in the event of accidents, property damage or liability claims during business-related activities. 

What Does Commercial Vehicle Insurance Cover? 
Commercial auto insurance in Georgia may provide coverage for the following: 

• Liability coverage may help protect your business in the event of property damage or bodily injury caused by an accident involving your commercial vehicle up to the policy’s dollar limit. 
• Physical damage coverage may help pay for repairs or replacement of your commercial vehicles if they are damaged in an accident. It usually includes collision coverage for accidents with other vehicles and comprehensive coverage for damage caused by theft, vandalism or natural disasters.
• Uninsured/underinsured motorist insurance may help cover damages if your commercial vehicle is involved in an accident with a driver without insurance or insufficient coverage.
• Medical payments (MedPay) coverage may help pay for medical expenses for you and your passengers resulting from an accident, regardless of fault. This policy pays only up to the dollar limit. 
• Hired and non-owned auto coverage may help provide liability protection for accidents that occur while conducting business on behalf of your company if your employees use their personal vehicles for business purposes or your company rents, borrows or leases vehicles.  

Who Is Covered to Drive My Commercial Vehicle? 
Commercial auto insurance in Georgia typically covers the following individuals: 

• Named insured refers to the individual or business entity listed on the insurance policy as the primary policyholder. They have coverage for their commercial vehicle(s) as the policy specifies.
• Permitted drivers are individuals explicitly authorized by the named insured to operate the commercial vehicle(s) covered by the insurance policy. These drivers are covered under the policy while driving the insured vehicle(s). 

Contact Us 
Contact Total Insurance today to get personalized commercial auto insurance quotes.