Commercial Auto Insurance for Georgia Delivery and Service Businesses

Personal auto policies don’t cover vehicles used for work, including those relied on to make deliveries or provide services. Without the right coverage, an at-fault accident could leave your business paying out of pocket. Accentor Accounting & Insurance Services offers commercial auto insurance to help keep your operations moving.

What Commercial Auto Insurance Covers for Delivery and Service Vehicles

Commercial auto insurance policies can provide the following coverage options for delivery and service vehicles:

• Collision coverage can help pay to repair or replace your vehicles after a collision, regardless of fault.
• Comprehensive coverage can offset losses arising from fires, theft, vandalism and severe weather.
• Liability coverage may help cover bodily injury or property damage to others when your business is at fault.
• Hired and non-owned auto coverage can extend coverage to rented vehicles or personal vehicles employees use for work.
• Uninsured/underinsured motorist coverage may offer financial protection if the other driver carries little or no insurance.

Why This Coverage Matters for Georgia Businesses

The state requires commercial vehicles to carry minimum liability coverage for bodily injury and property damage, but these limits may not fully cover the costs of a serious accident. Certain vehicles and operations may require higher limits based on weight and use. If a driver causes an injury while working, the business owner may be held liable, not just the driver. A commercial auto policy can help address this exposure in ways a personal policy may not.

We’re Here to Help

Our team works with multiple carriers to find coverage that fits your budget and business needs. Contact Accentor Accounting & Insurance Services today to discuss your options and get a free custom 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.