Protect your business vehicles with a Georgia commercial auto policy
Many of Georgia’s 1.1 million small businesses need commercial auto insurance to protect from accidents that arise from the use of their work vehicles. Personal auto policies typically won’t cover vehicles used for business because they’re usually exposed to more risk than personal autos.
Over 750,000 small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a single cargo van in Macon or several food trucks in Atlanta.
Commercial auto coverage for a variety of business types:
Georgia commercial auto insurance cost
Several factors affect the cost of your Georgia commercial auto policy, including your:
Profession
Some industries have more risk than others. A contractor who carries tools and equipment to various job sites every day can expect to pay more than a lawyer who runs occasional errands.
Vehicle
Your vehicle’s size and use affect your rate. A large dump truck used for hauling heavy gravel will likely have a higher premium than a small dump truck used for light landscaping work.
Driving history
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.
Location
It’s common to pay more for commercial auto coverage in a large city like Atlanta than in a smaller city like Athens. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events, such as hurricanes and tornadoes, are also factors.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Sandy Spring’s city limits is considered lower risk than a vehicle with a regional route that covers all of Central Georgia.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Georgia state minimum limits of 25/50/25 will pay less than a policyholder needing a combined single limit of $1M.
Georgia commercial auto insurance requirements
Georgia state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage (i.e., 25/50/25). Some policies are required to carry higher limits based on the types of vehicles they insure.
It’s important to select limits that are best for your business in addition to what’s required by Georgia state law. Lacking enough coverage for your specific risk could leave you responsible for expensive debts that might be difficult to handle on your own.
Georgia commercial auto resources:
Common professions that need commercial auto insurance in GA:
Browse more examples of professions we insure.
Commercial auto insurance anywhere in Georgia
We offer Georgia commercial auto insurance statewide, including these major cities:
- Atlanta
- Columbus
- Savannah
- Sandy Springs
- Roswell
- Augusta
- Macon
- Athens
- South Fulton
- Johns Creek
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