Top Risks Covered by Commercial Auto Insurance Policies

Operating company vehicles in Georgia comes with unique risks and responsibilities. At Orbit Insurance & Multiservice, we understand how important it is for business owners and fleet managers to have appropriate commercial auto coverage.

Key Risks Covered by Commercial Auto Insurance

Commercial auto insurance is designed to address the specific exposures faced by businesses on the road, offering essential coverage that goes beyond what a personal auto policy provides.

Liability Protection
One of the most critical components of commercial auto insurance is liability coverage. If your driver is found at fault in an accident, this coverage can help pay for bodily injury or property damage to others. In Georgia, liability protection is required by law for vehicles used in business operations.

Physical Damage to Company Vehicles
Accidents, theft, vandalism, and severe weather can all cause costly damage to your business vehicles. Commercial auto policies typically include collision coverage (for accidents) and comprehensive coverage (for non-collision events like theft or hail). This helps ensure your vehicles can be repaired or replaced quickly, minimizing downtime for your business.

Uninsured and Underinsured Motorist Coverage
Not every driver on Georgia roads carries adequate insurance. If your company vehicle is involved in an accident with an uninsured or underinsured driver, this coverage can help pay for damage and injuries the other party cannot cover.

Hired and Non-Owned Auto Coverage
Many businesses occasionally rent vehicles or have employees use their cars for work. Hired and non-owned auto coverage can help protect your business from liability in these situations, filling gaps in personal auto policies.

Why Work With Orbit Insurance & Multiservice?

Orbit Insurance & Multiservice is dedicated to helping Georgia businesses find the right commercial auto insurance solutions. We take the time to understand your operations, recommend appropriate coverage, and support you through claims or policy changes.

Ready to review your commercial auto insurance options? Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.