Commercial Auto Insurance in Gainsville, GA

Gainesville companies using vehicles to conduct business need commercial auto insurance coverage to help provide financial protection from accident-related expenses. Your agent can help determine which policies, limits and endorsements may provide the most appropriate coverage. 

Is Commercial Auto Insurance Required in Georgia?

In Georgia, commercial auto insurance is required for businesses that use vehicles for their operations. This type of insurance is essential to help cover liabilities that may arise from the use of company vehicles. The state mandates that businesses carry minimum liability coverage to handle any financial responsibilities resulting from at-fault incidents involving their vehicles.

If your company uses heavy machinery or semis, you are subject to federal insurance regulations that mandate higher liability limits.

Many Georgia companies finance vehicles, which typically triggers additional commercial auto insurance requirements imposed by the lender. Lienholders may require physical damage coverage, including comprehensive and collision insurance. These policies can help cover damage to company vehicles from accidents and incidents, including hitting an animal on the road, theft, vandalism, weather-related damage and hitting another car or object.

How Much Does Commercial Auto Insurance Cost?

The cost of commercial auto insurance varies depending on several factors. These include the type, value and number of vehicles being insured, the nature of the business, the driving records of the employees and the amount of coverage selected. Companies that operate in high-risk industries may face higher premiums.

Your company’s liability coverage limits, the policies and endorsements you choose, and your deductibles also impact your auto insurance rates.

Contact Us

Contact Ski Enterprise LLC today. Our team can help you compare multiple commercial auto insurance quotes from top Georgia insurers.