Commercial Auto Insurance

If you operate a business in Georgia, there is no doubt that keeping quality commercial auto insurance coverage should be at the top of your to-do list.

After all, if one or more of your vehicles is involved in an accident (which is quite likely given how many miles they travel each year), you’ll want to make sure you’re protected. If not, accidents might result in legal action and other financial difficulties that would put your business out of operation for good.

That is why having the best commercial vehicle insurance policy in place can give you peace of mind while also allowing you to focus on expanding your business.

Marilyn Todd Insurance is one of the most recognized Allstate agents in the country, and we’re proud to serve our neighbors in Georgia. We’re ready to discuss your commercial vehicle insurance requirements with you.

Get a 100% free, no-obligation commercial auto insurance quote today!

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What Is Commercial Auto Insurance?

Commercial auto insurance covers vehicles used for commercial activities. Consider your personal vehicle insurance policy, just for a business. Commercial auto policies typically cover cars, vans, and trucks and other similar commercial vehicles.

What Does Commercial Auto Insurance Cover?

You could be wondering what business auto insurance covers. Business auto insurance is specifically created for businesses that utilize cars for commercial purposes, so they are protected in the event of an accident that personal policies would cover.

Typical Types of Coverage

A commercial auto insurance policy, like a personal automobile insurance policy, usually includes the following sorts of coverage:

Bodily injury
Property damage
Towing and labor
Rental reimbursement

Insurance Cost?

The cost of a company automobile insurance policy is determined by a number of factors. It’s vital to talk with an expert commercial vehicle insurance agent and a respected insurance firm about your unique circumstances and requirements.

However, there are a few elements that most people consider when thinking about the cost of their company vehicle insurance premiums.

Location
Level of coverage
Size of your fleet
Type of business

What Are The Different Types of Commercial Auto Insurance Policies?

There are numerous sorts of commercial vehicle insurance coverage available. Let’s take a look at some of them.

Open policy

An open policy is one that allows the insured company to add or delete car insurance for up to six months at a time. If businesses have seasonal variances in the number of vehicles required to run their operations, this sort of liability coverage can assist with cost management.

Specific fleet policy

A fleet policy covers all vehicles in a specific group, such as licensed taxi cabs or limousines used in a regular business operation. This sort of commercial automobile insurance is usually tailored to the demands of individual fleets, although it provides more protection than an open policy.

Blanket fleet policy

A blanket policy protects all vehicles in a fleet and provides various types of coverage, including the following:

Liability
Property damage
Medical expenses
Personal injury protection
Uninsured/underinsured motorist coverage
Collision and comprehensive coverage\

Whether you have one automobile or a hundred, your policy will provide the same amount of coverage for each insured vehicle.

What Are Some Guidelines To Help Me Choose Commercial Auto Insurance?

When looking for the greatest commercial auto insurance for you and your business, there are a few things to think about.

Check to see whether the deductible you’re looking into is the same one that applies to both labor costs and other damages.

In the event of a major accident, your business’s liability coverage should be sufficient to safeguard it.

You should also think about the types of vehicles you’ll need to insure and whether or not you’ll need commercial auto coverage for rentals.

If you have employees who drive their own cars for work, you should consider personal accident insurance as an addition to your business auto insurance policy.