Commercial Auto Insurance in Norcross, GA
Businesses that use motor vehicles must account for significant financial risks and exposures. While automobiles may be essential for many business functions, no level of diligence or driving experience can prevent all accidents. Other incidents, such as fires, crime and severe weather, could also befall your vehicles, potentially leading to expensive losses. These conditions make commercial auto insurance a necessary investment.
What Is Commercial Auto Insurance?
As its name suggests, this type of policy can establish financial protection and security for your business amid incidents involving its vehicles. Whether you use cars, vans, buses, trucks or some combination within a fleet of automobiles, the right commercial auto coverage should be a top priority.
What Does My Policy Cover? 
Commercial auto insurance policies may include many components familiar to those with personal auto coverage. Although exact coverage needs can vary, you may want to ensure your insurance includes the following:
- Third-party liability coverage is typically required by law and may consist of the following two features:
- Bodily injury liability coverage can assist with other parties’ medical bills and financial losses if your business is at fault for an accident.
- Property damage liability coverage may help pay to repair or replace others’ damaged property if your company or employees are responsible.
- Collision coverage can ensure you have the funds needed to repair or replace your vehicles if they’re damaged in a crash.
- Comprehensive coverage may assist with losses caused by noncollision incidents, including fires, theft and vandalism.
- Uninsured/underinsured motorist coverage can be essential if someone else is at fault for an accident but does not have insurance capable of paying for your losses.
- Medical payments coverage may assist with health care costs if you or your employees are injured in an accident, regardless of fault.
How Much Does Coverage Cost?
Your rates may be based on the following criteria:
- Location
- Industry
- Fleet details (e.g., number of vehicles, types and total value)
- Employee driving records
- Previous insurance claims
- Policy specifications (e.g., coverage limits, deductibles and endorsements)
Get the Right Coverage
Contact Insurance Direct Group today to learn more about commercial auto insurance. Representing many of the top carriers in Georgia, Florida, North Carolina and South Carolina, we provide a wide variety of products, enabling us to meticulously rate and place your insurance needs all in one convenient location.