site-logo
close-button

Commercial insurance

Personal Insurance

Get the coverage your business needs to stay protected on the road.

Who Needs Commercial Auto Insurance?

If your business uses vehicles for work, you need commercial auto insurance. Examples include:
  • Delivery Services: Couriers, food deliveries, and packages.
  • Contractors and Tradesmen: Construction, HVAC, and electricians.
  • Service Providers: Cleaning companies, pest control, and landscapers.
  • Fleet Owners: Businesses managing multiple vehicles.

Why It’s Essential: Without coverage, you risk financial loss, lawsuits, and disruptions to your business.

Long Haul truck driving along a highway bridge showing an image of a business that would need commercial auto insurance.

What is Commercial Automobile Insurance?

Commercial auto insurance is a specialized coverage designed to protect businesses that use vehicles for work-related purposes. This policy provides financial protection against accidents, property damage, bodily injury, and liability claims involving company-owned, leased, or rented vehicles. Whether you’re driving a delivery van, a fleet of trucks, or a single business car, commercial auto insurance ensures that your business is covered in case of an accident, theft, or other vehicle-related incidents. It can also include coverage for legal fees, medical costs, and vehicle repair expenses.
By choosing the right commercial auto insurance policy, businesses can safeguard their operations and avoid financial setbacks due to unforeseen accidents on the road.
Get Your Free Quote Today

Liability Coverage

Includes bodily injury liability, which pays for medical bills of others injured in an accident, and property damage liability, which covers repair costs to another driver’s vehicle. Most states require liability coverage by law.

Physical Damage Coverage

Includes collision coverage, which covers damage to your vehicle after an accident, and comprehensive coverage, which protects against theft, fire, vandalism, or natural disasters.

Additional Coverage Options

Includes uninsured/underinsured motorist coverage, which covers accidents involving drivers without adequate insurance, and medical payments coverage, which helps pay medical bills for employees or passengers. Rental car coverage ensures your business can continue operating with a rental vehicle if needed.

Benefits of Commercial Auto Insurance

  • Financial Protection: Covers repairs, medical bills, and liability claims.
  • Business Continuity: Keeps your operations running after an accident.
  • Compliance: Ensures your business meets state insurance requirements.
  • Peace of Mind: Protects your business assets and employees.

How Much Does Commercial Auto Insurance Cost?

Commercial auto insurance costs vary based on:
  • Vehicle Type: Larger vehicles or fleets cost more to insure.
  • Driving Records: Safe drivers receive better rates.
  • Industry: Riskier industries (e.g., construction) often pay higher premiums.
  • Location: Costs differ based on your business’s operating area.

Tip: Speak to our advisors to understand how these factors impact your rate and get the best coverage for your budget.

How to Get a Customized Commercial Auto Insurance Quote

We make it simple to get the coverage your business needs:

Request a Quote

Use our online form or speak with our licensed agents.

Share Your Business Details

Tell us about your vehicles and usage.

Receive a Customized Policy

Get a tailored quote with competitive pricing.

One quick step now can save you thousands later.

Get Your Free Quote Today

Why Choose BGI for Commercial Auto Insurance?

  • Expert Guidance: Licensed professionals who understand your business needs.
  • Customized Policies:Tailored plans that fit your budget and operations.
  • Quick and Easy Quotes: Fast, hassle-free process to get you covered.
  • Trusted Provider: Reliable service for businesses across the Carolinas

Common Questions About Commercial Auto Insurance

What does commercial auto insurance cover?

It covers vehicle damage, driver injuries, and liability costs resulting from accidents.

Is commercial auto insurance required?

Yes, if you use vehicles for business purposes.

How much does commercial auto insurance cost?

Costs depend on your vehicle type, business size, and location.

Are tools and materials in my vehicle covered?

It depends on the policy and specific coverage options. Ask our agents for details.

What are some tips to reduce my commercial auto insurance premiums?

Maintaining a clean driving record, installing safety devices like dash cams and GPS trackers, choosing a higher deductible to lower your premium, and/or bundling policies (e.g., commercial property insurance) with the same provider.

What is the Difference between Commercial Auto Insurance vs. Personal Auto Insurance?

These are the key differences: Usage: Personal policies cover personal use; commercial covers business use; coverage limits: commercial policies offer higher liability limits; and legal requirement: businesses using vehicles must carry commercial auto insurance.
Example: If you deliver goods or use vehicles for work purposes, personal auto insurance won’t provide adequate coverage.

Take the Next Step: Protect Your Business Today

Don’t wait for an accident to happen. Protect your business with affordable, reliable commercial general liability insurance.

Get a Free Quote

Proudly serving families and businesses across South Carolina and the Southeast with Brabham Griffin Insurance’s trusted solutions.

Contact

Facebook-f Instagram Linkedin-in

quick links

©2025 Brabham Griffin Insurance. All Rights Reserved.
Website Design by HLJ Creative