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Commercial Auto Insurance - Georgia Business

Commercial Auto Insurance for Georgia Businesses and Fleets

Your personal auto policy does not cover accidents that happen while you are using your vehicle for business. Any vehicle owned by your business or regularly used for work needs commercial auto coverage.

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What Commercial Auto Covers

Liability Coverage

Covers bodily injury and property damage you cause to others while driving for business. Commercial limits are typically higher than personal auto because business vehicles carry more liability exposure.

Physical Damage

Collision covers your vehicle after an accident regardless of fault. Comprehensive covers theft, fire, hail, and vandalism. Both are typically required if your business does not own the vehicles outright.

Hired and Non-Owned Auto

Covers liability when employees drive their personal vehicles or rental vehicles for business purposes. Critical for businesses without company-owned vehicles but with employees who drive for work.

Medical Payments and Uninsured Motorist

Pays medical bills for the driver and passengers in a covered business vehicle regardless of fault. Also includes uninsured and underinsured motorist coverage for accidents caused by drivers without adequate coverage.

What Commercial Auto Does Not Cover

Personal Use

Some commercial policies restrict purely personal use of company vehicles. Review your policy terms if employees take company vehicles home regularly.

Cargo

The cargo you are hauling is not covered under a standard commercial auto policy. Motor truck cargo insurance is a separate policy for businesses transporting goods.

Employee Personal Vehicles

If an employee's personal vehicle is in an accident while on a personal errand, your commercial policy does not respond. Hired and non-owned coverage only applies to business use.

Racing and Off-Road

Commercial auto excludes racing events and off-road use. Specialty coverage is required for these exposures.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

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Commercial Lines

Progressive Commercial

A+ Superior

Largest commercial auto writer in the US, primary choice for Georgia trucking, fleets, contractors, and businesses with significant vehicle exposure.

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Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

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Commercial Lines - Georgia

Hanover

A Excellent

Independent-agent-only carrier with strong small and mid-market BOP appetite and competitive coverage terms in the $1M to $10M revenue range.

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Commercial Lines - Georgia

Berkley Aspire

A+ Superior (W.R. Berkley Corporation)

E&S commercial carrier for hard-to-place Georgia risks including roofing, demolition, hospitality, and habitational accounts admitted markets decline.

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Compare Commercial Auto Coverage for Your Business

We compare commercial auto options from carriers who specialize in Georgia business fleets. Free review, no obligation.

$1,200 to $4,000 per vehicle per year

Free Coverage Review

Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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