If your business owns or operates vehicles, Commercial Auto Liability Insurance isn’t just smart — it’s required by law. This essential coverage protects your company from the financial consequences of accidents, injuries, and property damage caused by your business vehicles or drivers.
Whether you have one truck or an entire fleet, liability coverage is the backbone of any commercial auto policy.
What Is Commercial Auto Liability Insurance?
Commercial Auto Liability Insurance provides protection when your driver is found legally responsible for an accident while operating a company vehicle.
It covers:
- Bodily Injury Liability – pays for medical expenses, lost wages, or legal costs if someone is hurt in an accident your business causes.
- Property Damage Liability – covers repairs or replacement if your vehicle damages another person’s car, building, or property.
Why It Matters for Businesses
Even a minor accident can lead to thousands of dollars in damages and legal fees. Without liability insurance, your business could face lawsuits, license suspension, or even closure.
For example:
- A delivery van rear-ends another car on the highway.
- A company truck clips a power pole while backing up.
- A service vehicle sideswipes another driver in heavy traffic.
In all of these cases, your business could be held liable — and that’s where Commercial Auto Liability coverage steps in.
How Much Coverage Do You Need?
State minimums in South Carolina, North Carolina, and Georgia may not be enough to fully protect your business.
Most companies carry at least $1 million in liability limits, especially if they transport goods, operate heavy vehicles, or contract with larger corporations that require proof of insurance.
The right limits depend on:
- Type of business and vehicles used
- Frequency of driving
- Value of cargo or passengers
- Contractual insurance requirements
An independent agent can help you choose the right limits based on your exposure and budget.
Add-On Coverages to Consider
To strengthen your protection, many businesses pair liability coverage with:
- Comprehensive & Collision Coverage – for physical damage to your own vehicles
- Uninsured Motorist Coverage – protects your drivers from uninsured or underinsured motorists
- Medical Payments Coverage – pays for injuries to you or your employees, regardless of fault
- Hired & Non-Owned Auto Insurance – extends liability protection to vehicles you don’t own but use for work
Stay Legal. Stay Protected. Stay on the Road.
At Upstate’s Choice Insurance, we help business owners across South Carolina, North Carolina, and Georgia build affordable, customized commercial auto insurance plans that meet state laws and protect their livelihoods.
We compare rates from multiple top carriers — like Progressive, Liberty Mutual, and National General — to make sure you get the best protection at the lowest cost.
🚗 Protect your business, your drivers, and your reputation — get a Commercial Auto Liability quote today!
📍 www.upstateschoice.com