What Is It?
Understanding Commercial Auto Insurance
Commercial Auto insurance covers vehicles used for business purposes — including company-owned trucks, vans, cars, and fleets. Personal auto insurance policies specifically exclude coverage for business use, meaning a single accident while on the job could leave you completely unprotected without the right commercial policy.
Who Needs It?
Is This Right for My Business?
Any business that uses vehicles for operations needs Commercial Auto. This includes contractors driving to job sites, delivery drivers, sales representatives who use their car for work, businesses with company-owned vehicles or fleets, and anyone transporting goods, tools, or equipment for business purposes.
Coverage Details
What Does Commercial Auto Insurance Cover?
Pays for injuries and property damage you cause to others in an at-fault accident while driving for business.
Covers damage to your business vehicle from a collision with another vehicle or object.
Covers theft, vandalism, weather damage, and other non-collision damage to your business vehicle.
Protects you if you’re hit by a driver with no insurance or insufficient coverage.
Covers employees using their personal vehicles or rented vehicles for business purposes.
Covers medical expenses for you and your passengers regardless of fault in an accident.
Where We Work
Licensed in Georgia, Alabama, Tennessee, North Carolina, South Carolina, Virginia & Arkansas & Nationwide
TWFG Insurance Branch 342 is licensed to write Commercial Auto Insurance in the following states. Through our carrier network we can place coverage across all 50 states.
Common Questions
Commercial Auto Insurance FAQs
Can I use my personal auto policy for business driving?
No — personal auto policies typically exclude business use. If you’re involved in an accident while driving for business purposes and only have personal auto insurance, your claim can be denied. A Commercial Auto policy or business use endorsement is essential.
What is Hired & Non-Owned Auto coverage?
Hired Auto covers vehicles your business rents or leases. Non-Owned Auto covers employees using their personal vehicles for business errands. This coverage is critical if your employees ever drive their own cars for work — their personal insurance won’t cover business-related accidents.
Do I need Commercial Auto if I only have one vehicle?
Yes, if that vehicle is used for business. Even a single vehicle used primarily for business needs a commercial policy. The good news is that commercial auto for a single vehicle is often not much more expensive than personal auto, and the protection is far greater.
How much does Commercial Auto cost in Georgia?
Commercial Auto rates vary widely based on the type of vehicle, how it’s used, driver records, and coverage limits. A single commercial vehicle in Georgia might range from $1,200 to $3,500+ per year. We compare multiple carriers to get you competitive rates.
Why Choose TWFG Insurance Branch 342?
Independent agency — we compare dozens of top insurers to find the best rate for your specific business.
Based in LaGrange, GA — licensed in 7 southeastern states and nationwide. A real person answers your call.
We fight for you at claim time — not just at the sale. That’s the independent agent difference.
Your business grows — your coverage should too. We review your policy every year at no cost.
Other Commercial Coverage Options
Ready to Get Covered?
Get a free Commercial Auto Insurance quote from TWFG Insurance Branch 342. No obligation, no pressure.