Commercial Auto Insurance for Georgia Business Owners
At Tabb Insurance Agency in Conyers, we know that your business relies on more than hard work. It also depends on reliable transportation. Whether you operate one delivery van or a fleet of service vehicles, having the right commercial auto insurance is critical. Accidents can happen at any time, and without proper coverage, a single incident could result in costly repairs, liability claims, or downtime that affects your bottom line. Commercial auto insurance offers financial protection for both your company and drivers, helping your business stay on the road with confidence.
What Is Commercial Auto Insurance?
Understanding the Purpose
Commercial auto insurance protects vehicles that are owned, leased, or used by a business. It covers damage to company vehicles, injuries to drivers or passengers, and liability for harm caused to others. Unlike a personal auto policy, which covers private use, commercial insurance is specifically designed for the higher risks involved in business driving.
How It Differs from Personal Coverage
A personal auto policy generally excludes accidents that occur while conducting business. For instance, if an employee is using a company truck to make deliveries and is involved in a collision, a personal policy would not pay for the damages. Commercial auto insurance fills that gap by protecting the business, the driver, and anyone affected by the accident.
At Tabb Insurance Agency, we specialize in helping Georgia business owners understand the difference between personal and commercial coverage. We review how your vehicles are used, who drives them, and what kind of protection your company needs to avoid costly surprises later.
Who Needs Commercial Auto Insurance in Georgia?
Many business owners are surprised to learn that they need commercial auto insurance even if their company owns only one vehicle. Any business that uses cars, trucks, or vans for work-related purposes should be covered.
This includes companies that own or lease vehicles in the business name, businesses that have employees driving company vehicles, and professionals who use personal cars for business purposes, such as visiting clients or transporting equipment.
From contractors and electricians to delivery drivers and sales representatives, commercial auto insurance is vital for any Georgia business that puts vehicles on the road. Even small companies can face major financial risks if an uninsured vehicle is involved in an accident.
Key Coverages Included in Commercial Auto Policies
Liability Coverage
Liability coverage is the foundation of any commercial auto policy. It pays for property damage and bodily injury that your driver causes to others in an at-fault accident. It also covers legal defense costs if your company is sued as a result of an incident.
Physical Damage Coverage
This coverage protects your own vehicles from loss or damage, whether the cause is an accident, theft, or severe weather. It typically includes two main components: collision coverage and comprehensive coverage. Collision coverage pays for repairs or replacement if your vehicle is damaged in an accident involving another car or object. Comprehensive coverage extends protection to non-collision events such as theft, vandalism, fire, or weather-related damage. Together, these coverages ensure your company vehicles are protected from a wide range of potential risks on and off the road.
Medical Payments Coverage
Medical payments coverage, often called MedPay, helps cover medical bills for you, your employees, or passengers injured in a covered accident, regardless of who was at fault.
Uninsured and Underinsured Motorist Coverage
Not every driver on Georgia roads carries enough insurance. This coverage protects your business if one of your vehicles is hit by a driver who has no insurance or inadequate coverage.
At Tabb Insurance Agency, we work with business owners to build policies that include the right combination of these protections, ensuring every vehicle and driver has the coverage they need.
Georgia Insurance Requirements for Business Vehicles
State Minimums
Georgia law requires all vehicles, personal and commercial, to carry at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability
These limits meet the state’s minimum standards, but they often fall short of the costs that can result from serious accidents.
When Higher Limits Make Sense
For businesses that operate larger vehicles, travel long distances, or carry valuable cargo, higher coverage limits are strongly recommended. Increasing your liability protection or adding an umbrella policy can help shield your company from devastating losses.
The team at Tabb Insurance Agency ensures that every policy meets Georgia Department of Insurance requirements while also protecting your company’s assets and reputation.
Factors Affecting Policy Costs
Type of Vehicle and Use
The kind of vehicles your company operates and how they are used are major factors in determining your premium. Heavy trucks and vehicles that carry equipment or make frequent trips typically cost more to insure than passenger cars.
Driver Records
Insurance companies review the driving histories of everyone operating company vehicles. Clean records help keep premiums lower, while past violations or accidents can increase costs.
Claims and Safety Practices
A strong safety record can reduce insurance expenses over time. Companies with frequent claims usually pay more, but those with established driver training programs and vehicle maintenance schedules can often qualify for discounts.
Location and Mileage
Businesses based in high-traffic areas or with vehicles that travel long distances are considered higher risk. Tabb Insurance Agency helps clients evaluate these factors and find ways to manage costs effectively.
Why Work With Tabb Insurance Agency
Choosing the right commercial auto insurance can be complex, especially when multiple vehicles or drivers are involved. At Tabb Insurance Agency, we make the process straightforward and transparent.
Customized Coverage
We don’t believe in one-size-fits-all policies. Our team takes the time to learn how your business operates, what your vehicles are used for, and who drives them. With this information, we design a plan that offers reliable coverage at a competitive rate.
Carrier Comparison
We work with trusted insurance carriers to compare options, helping you secure the right policy for your budget. This ensures you receive strong protection without overpaying for unnecessary coverage.
Ongoing Support
As your business grows, your insurance needs may change. Whether you add vehicles, hire more drivers, or expand into new areas, we keep your policy up to date so you remain fully protected. Our agency also provides hands-on support during the claims process to make recovery as smooth as possible.
Protect Your Business With Comprehensive Coverage
Your business vehicles play a vital role in your success. Protecting them and your employees is essential to keeping your company moving forward. Commercial auto insurance offers more than compliance with Georgia law; it gives you peace of mind knowing that unexpected accidents won’t derail your operations.
At Tabb Insurance Agency in Conyers, we help Georgia business owners secure dependable coverage tailored to their needs. From understanding state requirements to selecting the right limits and deductibles, we make it easy to stay protected.
Contact Tabb Insurance Agency today at 770-483-1800 or visit our website to request a quote. Let our team help you find the right commercial auto insurance so your business can stay protected and keep moving toward success.
