Commercial Auto Insurance in Havelock, North Carolina
Whether you have a fleet of delivery trucks, company cars, or just one vehicle for business use, it’s essential to have the right insurance coverage to protect your assets and employees. Contact Amato Insurance Group in Havelock, North Carolina, for a personalized commercial auto insurance quote.
What Is Commercial Auto Insurance?
Commercial auto insurance may help provide coverage for vehicles used for business purposes and help cover your company’s legal liability after an accident or incident.
Commercial auto insurance is different from personal auto insurance because it provides coverage for vehicles owned by businesses. North Carolina law requires all drivers to have liability insurance coverage.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance policies can vary depending on the type of business and the vehicles being insured. However, most policies will provide coverage for the following:
- Liability—This coverage may help pay for damages or injuries you are legally responsible for if you or your employees cause an accident while driving a company vehicle.
- Collision—This coverage may help pay for damages to your vehicle if it strikes another vehicle or object.
- Comprehensive—This coverage may help pay for damages to your vehicle not caused by a collision, such as theft, vandalism or weather-related damage.
- Medical payments (MedPay)—This coverage may help cover medical expenses for you or your passengers if they are injured in an accident.
- Uninsured/underinsured motorist—This coverage may help cover certain accident-related expenses if the other driver is uninsured or doesn’t have enough liability coverage.
- Hired and non-owned vehicles—This coverage may help provide coverage for leased vehicles or personal vehicles used for business purposes.
Who Needs Commercial Auto Insurance?
Any organization using vehicles for business purposes should have commercial auto insurance, including the following:
- Businesses that own vehicles
- Businesses that have employees who operate company-owned vehicles
- Businesses that transport goods or equipment
- Businesses that provide transportation services
How to Get Commercial Auto Insurance
If your business needs commercial auto insurance, we’re here to help. Contact Amato Insurance Group today for a quote or to discuss your commercial auto insurance needs.