When you run a business, your vehicles are more than just transportation — they’re essential tools that keep your business moving. Whether you drive a single pickup truck, a delivery van, or manage a small fleet, having the right commercial auto insurance protects not just your vehicle, but your entire business.
At Upstate’s Choice Insurance, we help business owners throughout South Carolina, North Carolina, and Georgia get affordable, flexible protection for every vehicle that keeps their company running.
Why Personal Auto Insurance Isn’t Enough
A common misconception is that your personal auto insurance will cover business use. Unfortunately, most personal policies specifically exclude vehicles used for commercial purposes.
That means if you’re delivering materials, transporting clients, or using your vehicle for paid work and you get into an accident — your claim could be denied.
That’s where commercial auto insurance steps in.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance is designed to protect both your vehicles and your business from financial loss in case of accidents, theft, or damage.
A standard policy typically includes:
- Liability coverage – Covers injuries or property damage if you or an employee cause an accident.
- Collision coverage – Pays for damage to your own vehicle after an accident.
- Comprehensive coverage – Protects against theft, vandalism, fire, or weather damage.
- Uninsured/underinsured motorist coverage – Helps if another driver causes an accident and doesn’t have enough insurance.
- Medical payments coverage – Covers medical expenses for you and your passengers.
At Upstate’s Choice, we can also customize your policy with optional add-ons like:
- Hired and non-owned vehicle coverage (for rentals or employee vehicles)
- Roadside assistance
- Cargo coverage
- Trailer interchange coverage (for trucking)
Who Needs Commercial Auto Insurance?
If your vehicle is used for any kind of business purpose — even part-time — you likely need commercial auto coverage. Common examples include:
- Contractors (plumbers, electricians, landscapers, painters)
- Real estate agents and property managers
- Delivery drivers and couriers
- Food trucks and catering businesses
- Truckers and owner-operators
- Sales reps and service providers using personal vehicles for work
Even if you’re a one-person business, your risk is the same. A single accident involving a work vehicle can result in thousands in repair bills, medical costs, and lawsuits — expenses that a personal policy won’t touch.
Why Work With an Independent Agency?
Many business owners assume all insurance is the same — but it’s not. Because Upstate’s Choice Insurance is an independent agency, we’re not locked into one carrier or one rate.
We compare multiple top-rated companies, including Progressive, National General, and even Geico commercial/trucking options, to find the best mix of price and protection for your business.
That means:
- More choices
- Lower premiums
- Better claims support
- A real local agent who knows your area and your industry
Local, Fast, and Hassle-Free
We make the process easy — from instant online quotes to same-day proof of insurance. Whether you’re starting a new business or adding another work truck to your fleet, our team can get you covered quickly.
Serving the entire Upstate of South Carolina and beyond — including Greenville, Simpsonville, Anderson, Spartanburg, Charlotte, and Atlanta — we understand what local businesses face on the road every day.
Get a Quote Today
Your business deserves protection that moves with you.
Call (864) 845-7500 or visit upstateschoice.com to request your free commercial auto quote today.
We’ll shop multiple carriers, find the best rate, and make sure your vehicles — and your livelihood — are protected every mile of the way.