Commercial Auto Insurance in North Carolina

Every business who uses vehicles will need a commercial auto insurance policy. These policies give protection to your employees and vehicles on the road. Insurance is required because it must meet state regulations regarding vehicles on the road. J Harper Insurance in Greensboro, NC can work with you to ensure that your fleet of work vehicles meet these requirements and are thoroughly protected to keep your business operating.

What is Commercial Auto Insurance?

Commercial auto insurance is a type of coverage designed to protect vehicles used for business purposes. Whether your business owns a single vehicle or an entire fleet, this insurance provides financial protection against accidents, theft, and other unexpected events involving company vehicles. It is essential for businesses that rely on transportation for deliveries, client visits, or other operations, ensuring both the vehicles and drivers are covered.

Commercial Auto Insurance Benefits

Purchasing a commercial auto insurance policy benefits business owners by safeguarding their finances against costly repairs, medical expenses, and liability claims. It also ensures compliance with legal requirements, as most states mandate insurance for vehicles used in business activities. Additionally, commercial auto insurance can protect your business from lawsuits if an employee is involved in an accident while driving a company vehicle.

Types of Commercial Auto Insurance Available

There are several types of commercial auto insurance coverage available, including:

• Liability Coverage: Covers damages to other people’s property and medical expenses if your driver is at fault in an accident.
• Collision Coverage: Pays for repairs to your business vehicle after an accident, regardless of fault.
• Comprehensive Coverage: Protects against non-collision incidents such as theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Provides protection if the other driver lacks sufficient insurance.
• Medical Payments Coverage: Covers medical expenses for the driver and passengers in your business vehicle.
• Hired and Non-Owned Auto Coverage: Protects vehicles that your business rents or employees use for work purposes but do not own.

Commercial auto insurance policies can be tailored to fit the specific needs of your business, ensuring your vehicles and drivers are protected on the road.

Get Reliable Commercial Auto Coverage at J Harper Insurance

For more help with commercial auto insurance in North Carolina, South Carolina, or Georgia, please do not hesitate to contact our office in Greensboro, NC. You can find our information on the contact us page