Commercial Auto Insurance Basics for Georgia Businesses 

Businesses that own, lease, or rely on vehicles for work activities, such as deliveries, client visits, or transporting tools, likely require commercial auto insurance. This coverage can suit contractors, service companies, fleet managers and employers whose staff drive for work.

What Is Typically Included in This Policy?

A standard commercial auto policy may offer the following:

• Liability coverage may help pay for third-party bodily injury or property damage if your driver is at fault in an accident.
• Physical damage coverage may include coverage for collisions (e.g., damage from accidents) and other incidents (e.g., damage from theft, vandalism or weather).
• Medical payments (MedPay) coverage may help cover medical expenses for your drivers and passengers after an accident.
• Uninsured/underinsured motorist coverage may cover your business vehicles if another driver causes an accident and lacks sufficient insurance.
• Hired and non-owned auto coverage may extend to vehicles your business rents or employees’ personal vehicles used for work.

How Much Does It Cost?

Insurance costs may depend on details such as the types of vehicles you use, how they are utilized and the policy limits you select. Your location, driving history and the work your business doess can also affect your premium.

What Are The Policy Exclusions I Need to Know?

Commercial auto insurance may not apply to:

• Intentional damage or illegal activities
• Use that is not disclosed as part of business operations
• Unlisted drivers or drivers without valid licenses
• Certain types of cargo or specialized equipment, unless added by endorsement

Exclusions vary by insurer and policy, so you should review coverage documents carefully and ask your agent to explain any limits or gaps.

Our Team Can Help

We can review how your vehicles are used, explain applicable requirements and outline coverage options that may offer a suitable balance of cost and coverage. Contact Kite Insurance Agency today to learn more and get a no-obligation quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.