Commercial Auto Insurance & Fleet Insurance in Georgia
Commercial Auto Insurance
A commercial auto policy helps cover the costs of property damage and medical expenses in the event of a motor vehicle accident while you or your employee uses a vehicle for business activities. This could be the use of a company vehicle or an employee’s use of a personally-owned vehicle for business purposes on behalf of the company. With BIS Benefits, you can reduce the immediate and long-term financial burdens of one of these accidents.
Fleet Insurance
Fleet insurance provides coverage for a group of your company-owned vehicles. It will cover your vehicles and their drivers if one of your fleet vehicles is stolen or involved in an accident. It also covers the cost of damage to other cars when one of your vehicles is involved in an accident and your driver was at fault. Fleet insurance policies are usually specific insurance products that cover a full fleet of vehicles, usually consisting of two or more vans, trucks, cars, or motorbikes.
What is Covered Under Commercial Auto Insurance?
Liability Coverage
This liability insurance covers bodily injury and property damage that your business may be held responsible for in an accident involving a business vehicle. It helps pay for medical expenses, legal fees, and property repair costs for third parties.
Collision Coverage
This coverage pays for repair or replacement costs for physical damage to your commercial vehicle resulting from a collision with another vehicle or object, regardless of fault.
Medical Payments
This coverage pays for medical bills resulting from a commercial vehicle accident for you and your passengers, regardless of fault.
Underinsured / Uninsured Motorist Coverage
This coverage protects you and your passengers if you're involved in an accident with a driver who either has no insurance or inadequate insurance to cover the damages.
Personal Injury Protection (PIP) Coverage
PIP coverage helps pay for medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault.
Hired Auto Coverage (Rental)
If your business rents or leases vehicles for company use, this coverage protects against liability claims arising from accidents involving covered vehicles that are rented or leased.
Non-Owned (Employee Owned) Auto Insurance
If your employees use their personal vehicles for business purposes, non-owned auto liability coverage can protect your business if they are involved in an accident while on company business.
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How Much Does Commercial Auto Coverage Cost?
Some of the key factors that can affect the cost of commercial vehicle insurance include:
- Type of Business: The nature of your business and the industry you operate in can impact your insurance rates. For example, delivery vehicles may have higher rates compared to vehicles used for consulting services.
- Vehicle Type: The make, model, age, and value of the vehicles you want to insure will affect the insurance cost. Expensive or specialized vehicles may have higher premiums.
- Vehicle Use: The frequency and purpose of vehicle use can impact the cost. Higher mileage or riskier use may lead to higher premiums.
- Driving Records of Employees: The driving records of the employees who will be operating the insured vehicles can influence the cost. A history of accidents or traffic violations can result in higher premiums.
- Location of Your Business: Insurance rates can vary based on the location of your business and where the vehicles will be primarily operated. Urban areas with higher traffic or crime rates may have higher premiums.
- Coverage Limits: The level of coverage you choose for your commercial car insurance, including liability limits, comprehensive coverage, collision coverage, and additional endorsements, will affect the cost.
- Deductible Amounts: A higher deductible typically results in lower premiums, while a lower deductible may lead to higher premiums.
- Claims History: If your business has a history of filing frequent claims or has a poor claims record, it can impact the cost of insurance.
Due to these various factors, it's difficult to provide an exact cost for commercial auto & fleet insurance.
Contact BIS Benefits to speak to a benefits broker who can provide you with personalized quotes based on your specific business needs and circumstances.
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BIS Benefits helps businesses throughout Georgia find the right insurance solutions for their business. Below are some of the cities our clients are located in:
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