Commercial auto insurance protects the cars, trucks, and vans your Garner or Fuquay-Varina business depends on, and it helps cover injuries and damage when you or an employee causes an accident while working. Whether you run one pickup or a small fleet of service vans, Carolina Insurance Group can help you put the right coverage on every vehicle and every driver.
Call (919) 234-7868 for a Quote.
Commercial Auto for Garner & Fuquay-Varina Businesses
Your crews and delivery drivers are on US-70, US-401, NC-55, and I-40 every day, in some of the fastest-growing traffic in Wake County. A personal auto policy usually won’t cover a vehicle that is titled to a business or used mainly for work, so a claim on the job can leave you uninsured. North Carolina requires liability coverage on every registered vehicle, and many general contractors and commercial clients ask for higher limits and a certificate of insurance before you start a job.
What commercial auto can cover
- Liability: injuries and property damage you or your drivers cause to others.
- Collision and comprehensive: damage to your vehicles from accidents, theft, hail, falling trees, or vandalism.
- Uninsured and underinsured motorist: protection when the other driver has little or no insurance.
- Medical payments: medical bills for you and your passengers after an accident.
- Hired and non-owned auto: coverage when employees drive their own cars or rented vehicles for business errands.
- Trailers and equipment: options for trailers and permanently attached equipment like ladder racks or tool boxes.
What affects the cost
Premiums depend on the type and number of vehicles, how far and where they’re driven, what they carry, and who is behind the wheel. Clean driving records, choosing the right deductibles, and listing every driver correctly all help. As an independent agency, we compare several carriers to find a fit for your budget.
Who we help
- Contractors and trades: HVAC, plumbing, electrical, painting, landscaping, and general contractors
- Restaurants and caterers with delivery or catering vehicles
- Cleaning, retail, and service businesses with company vans
- Businesses whose employees drive their own cars for work
Call (919) 234-7868 for a Quote on commercial auto insurance for your Garner, Fuquay-Varina, or Wake County business. You can also use the Get A Commercial Quote button on this page.
