Is Your Business Fleet Insured Properly? Commercial Auto Insurance Explained

Managing a business fleet in Georgia involves specific risks and responsibilities. Ensuring your vehicles and drivers are financially protected with the right commercial auto insurance is essential not just for compliance, but for the long-term security of your business. At Kris D Rogers & Associates, we understand the challenges Georgia business owners and fleet managers face, and we’re here to help you navigate your coverage options with confidence.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance is designed to cover vehicles used for business purposes, whether you operate a few delivery vans or a large fleet of trucks. A typical commercial vehicle policy may include:

• Liability coverage can help cover costs if your driver is at fault in an accident that causes injury or property damage.
• Physical damage coverage includes collision (damage from accidents) and comprehensive (damage from theft, vandalism, or weather events).
• Medical payments coverage may quickly assist with medical expenses for your drivers and passengers after an accident.
• Uninsured/underinsured motorist coverage may help if your vehicle is involved in an accident caused by a driver who lacks sufficient insurance.
• Hired and non-owned auto coverage may cover vehicles your business rents or employees’ personal vehicles used for work.

Why Proper Coverage Matters in Georgia

Georgia law requires businesses to carry minimum liability coverage for commercial vehicles, but these minimums may not be enough to fully cover your assets. Without adequate insurance, a single accident could result in significant out-of-pocket expenses, legal issues, or even business interruption. Proper business fleet insurance helps safeguard your vehicles, employees, and reputation, allowing you to focus on your operations.

How Our Team Can Help

At Kris D Rogers & Associates, we work closely with Georgia business owners to assess their unique risks and recommend tailored commercial auto insurance solutions. Our team reviews your fleet size, vehicle types, and daily operations to ensure your policy fits your needs and budget. We’re committed to helping you understand your options and stay compliant with state regulations.

Contact us today for more information or a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.