Commercial Auto
Insurance

Get the Best Commercial Auto Insurance
Rates and Coverage in the Industry

Whether your company owns 1 or 50 vehicles, you cannot operate them without suitable commercial auto insurance. In the state of North Carolina, commercial auto insurance is dependent on quite a few factors, including the size and cost of running your fleet and the quality of drivers you employ. For example, hiring a driver who has obtained a CDL (commercial driver’s license) is more likely to be a safe, reliable driver. This can impact your premiums and allow you to choose a higher deductible. Your commercial car insurance in North Carolina may provide collision coverage, comprehensive physical damage, medical payments, and other coverage depending on the nature of your business and the type of driving your commercial fleet undertakes.

What kinds of vehicles are covered by commercial auto insurance?

Any fleet of vehicles used for commercial purposes can be covered by commercial auto insurance. Delivery or service trucks, vans and other utility vehicles are the most obvious candidates, but you may also run a fleet of company cars issued to your employees, or for transporting visiting clients, for example. These can also be included in a commercial vehicle insurance policy.

Why do you need commercial auto insurance?

Ordinary auto insurance policies are not intended for vehicles that are used commercially. Commercial vehicles face a different set of risks from personal ones. As a result two different types of policies, written and rated in very different ways, are required. As a business owner, you may also need your vehicle policies to contain specific coverages unique to your particular business area.

What does commercial auto insurance cover?

A commercial auto insurance policy has similar coverage to a personal auto insurance policy, including liability, collision, comprehensive, medical payments and uninsured motorist coverage. There are differences when it comes to definitions, limits, eligibility and exclusions.

Commercial vehicle coverage includes:

Why Consult Tom Needham Insurance Agency
for Your Commercial Auto Insurance?

Let the team at Tom Needham Insurance Agency do the shopping so you can rest easy knowing you have purchased the best coverage for your commercial fleet.

Call us now at 336-855-1223 or contact us for a commercial auto insurance quote online and one of our agents will be in touch with you shortly.  

Tom Needham Insurance Agency – Offering You Better Prices and the Best in Service!