If you own a small business in Greenville, Simpsonville, or anywhere in the Upstate, chances are your vehicles play a big role in your daily operations. Whether it’s a single pickup truck, a fleet of delivery vans, or just your personal car doubling as a business vehicle, you need the right protection. That’s where commercial auto insurance comes in.
At Upstate’s Choice Insurance, we help local businesses find affordable, reliable coverage that keeps their operations running smoothly. Here’s what small business owners need to know.
What Is Commercial Auto Insurance?
Commercial auto insurance is a policy that covers vehicles used for business purposes. While personal auto insurance works fine for everyday driving, it often excludes claims if the vehicle is being used for business activities.
That means if you’re delivering products, transporting tools, or sending employees out on errands, you’ll want commercial coverage in place.
Who Needs It?
You may need commercial auto insurance if you:
- Use your car or truck to regularly transport tools, equipment, or supplies
- Own a vehicle titled to your business
- Have employees who drive your vehicle(s)
- Run a delivery, rideshare, or service-based business
- Operate vans, box trucks, or specialty vehicles for work
Even a sole proprietor with one work truck can benefit from commercial auto coverage.
What Does Commercial Auto Insurance Cover?
Most commercial policies include:
- Liability Coverage – Pays for injuries or property damage you cause in an accident.
- Collision Coverage – Repairs your work vehicle if it’s damaged in an accident.
- Comprehensive Coverage – Protects against theft, fire, vandalism, or weather damage.
- Uninsured/Underinsured Motorist Coverage – Helps if you’re hit by someone without enough insurance.
- Medical Payments Coverage – Covers medical bills for drivers and passengers in your business vehicles.
- Hired and Non-Owned Auto Coverage – Protects your business if employees use personal or rented cars for work.
Why It’s Essential for Small Businesses
- Keeps You Compliant – SC, NC, and GA all require liability insurance for vehicles. A commercial policy ensures you meet state laws for business use.
- Protects Your Business Assets – One accident could lead to costly lawsuits or repairs. Without coverage, your business could be financially exposed.
- Covers Employees – If employees drive for your business, commercial insurance helps protect both them and your company.
- Peace of Mind – You can focus on running your business knowing your vehicles are properly insured.
Why Partner with Upstate’s Choice Insurance?
- We’re an independent agency, meaning we shop multiple carriers for the best commercial rates.
- We understand the unique needs of small businesses in the Upstate.
- Whether you’re a contractor, landscaper, restaurant owner, or delivery service, we’ll customize coverage to fit your operation and budget.
- We provide local support—when you call, you’ll speak to a team that knows your community.
Get a Free Commercial Auto Quote Today
Your vehicles are essential to your business—make sure they’re protected. At Upstate’s Choice Insurance, we’ll help you find affordable, reliable coverage tailored to your needs.
👉 Call us today or request a free commercial auto insurance quote online for your small business in South Carolina, North Carolina, or Georgia.