Commercial Auto Insurance in North Carolina

What is Commercial Auto Insurance?

Commercial auto insurance provides coverage for vehicles that are used for business purposes. Whether your company owns one vehicle or an entire fleet, commercial auto insurance can help protect against financial loss from accidents, property damage, and liability claims. Unlike personal auto insurance, commercial policies are designed to address the risks that businesses face on the road.

Who Needs Commercial Auto Insurance?

Any business that owns, leases, or uses vehicles for business operations should consider commercial auto insurance. Industries that typically rely on commercial vehicles include:

• Delivery services
• Construction and contracting
• Landscaping
• Sales and service professionals
• Transportation and trucking

Even if you or your employees occasionally use personal vehicles for business tasks, you may need additional protection through a hired and non-owned auto policy.

What Does Commercial Auto Insurance Cover?

A well-rounded commercial auto insurance policy typically includes several types of coverage, such as:

• Liability Coverage: Helps cover the costs if your business vehicle causes injury to another person or damages their property.
• Physical Damage Coverage: Provides protection for your business vehicles if they are damaged in an accident, by theft, vandalism, or natural disasters.
• Medical Payments Coverage: Covers medical expenses for you and your passengers if injured in an accident.
• Uninsured/Underinsured Motorist Coverage: Offers protection if you’re in an accident caused by a driver who has little or no insurance.
• Hired and Non-Owned Auto Coverage: Covers liability risks if employees use their personal vehicles for work purposes or if your business rents vehicles. 
• Drive Other Car (DOC) Coverage: This commercial auto insurance endorsement extends liability, physical damage, and other coverages to individuals named in the endorsement (like executives or their spouses) when they drive a non-owned vehicle, such as a rental or borrowed car.

An experienced insurance agent can help you determine which types of coverage make sense for your business.

Why Commercial Auto Expertise Matters

Selecting commercial auto insurance isn’t just about finding a policy, it’s about partnering with experts who understand the unique needs of your industry. We can help you:

• Assess your specific risks
• Recommend the right types and levels of coverage
• Identify potential gaps in protection
• Help you stay compliant with state and federal insurance requirements

Where to Find Commercial Auto Insurance Expertise

For help finding commercial auto insurance that fits your business, contact the independent insurance agents at Laurie Insurance Group. Our experienced team understands the risks that come with operating business vehicles and can help you get the coverage you need. Whether you have one vehicle or manage a fleet, we’re here to help protect your business every mile of the way.