Commercial Auto Insurance | Fase Insurance Group

Commercial Auto Insurance for Businesses & Contractors

If you use a vehicle for work, this page is important. Every day, contractors, tradespeople, and small business owners drive their trucks and vans to job sites without realizing that their personal auto insurance policy may not cover them while the vehicle is being used for business purposes. A single uncovered accident could result in significant out-of-pocket expenses, legal liability, and business disruption.

At Fase Insurance Group, we help contractors, small business owners, and fleet operators in Georgia, South Carolina, Alabama, and Tennessee get the right commercial auto coverage for their vehicles and their situation. We work with multiple carriers including Infinity-Kemper, Progressive, National General, Assurance America, and Bristol West to find you the best available rate.

Who Needs Commercial Auto Insurance?

If you or your employees operate a vehicle for any business purpose, commercial auto insurance is essential. This includes:

Contractors who use pickup trucks, vans, or flatbeds to transport tools, equipment, or materials to job sites
Landscapers, roofers, painters, concrete contractors, and other tradespeople who drive to and from job sites for work
Business owners who haul goods, equipment, or supplies in a truck or cargo van
Dump truck operators and concrete haulers
Businesses with one or more vehicles operated by employees for work purposes
Fleet operators with multiple commercial vehicles

Personal Use vs. Commercial Use — This Could Make or Break Your Claim

This is one of the most important things we discuss with our clients — and one of the most misunderstood areas of auto insurance.

Personal auto insurance is designed to cover your vehicle when it is used for everyday personal activities — commuting, running errands, family trips, and similar non-business uses.

Commercial auto insurance is designed to cover your vehicle when it is used for business purposes — transporting tools, equipment, or materials to job sites, making deliveries, hauling goods, or any other work-related activity.

If you use the same vehicle for both personal and business purposes, your coverage should reflect both uses. Using a vehicle for business purposes under a personal-only auto policy may result in a claim being denied in the event of an accident that occurs during business use. Insurance carriers review the circumstances of every claim, and if a vehicle was being used for commercial purposes at the time of a loss, a personal-only policy may not provide the coverage you expect.

This does not mean you need two separate vehicles. It means you need the right policy structure for how your vehicle is actually used. At Fase Insurance Group, our licensed agents will review your specific situation — how you use your vehicle, how often, and for what purposes — and help you structure your coverage correctly so you are protected whether you are on the job site or driving home at the end of the day.

Do not assume you are covered. Let us make sure you are.

Types of Vehicles We Cover

Pickup trucks used for work
Cargo vans and work vans
Box trucks
Flatbed trucks
Dump trucks
Concrete haulers
Other commercial vehicles used for business purposes

What Commercial Auto Insurance Can Cover

Liability Coverage — Covers bodily injury and property damage you or your employees cause to others while operating a covered commercial vehicle. This coverage is required by law and is frequently required by general contractors and job sites before work can begin.

Collision Coverage — Covers damage to your commercial vehicle resulting from a collision with another vehicle or object, regardless of who is at fault.

Comprehensive Coverage — Covers damage to your commercial vehicle from non-collision events such as theft, vandalism, hail, flooding, and fire.

Uninsured/Underinsured Motorist Coverage — Protects you financially if your vehicle is involved in an accident with a driver who carries no insurance or insufficient coverage to pay for your damages.

Medical Payments Coverage — Helps cover medical expenses for you and your passengers following a covered accident, regardless of fault.

Non-Owned & Hired Auto Coverage — Covers vehicles that your business rents, leases, or borrows for work purposes, as well as employee-owned vehicles used on behalf of your business.

Individual Vehicles & Fleet Coverage

Whether you have one work truck or an entire fleet of commercial vehicles, we can help. We write commercial auto policies for individual vehicles as well as multi-vehicle fleet policies for businesses with multiple drivers and vehicles. Proper fleet coverage ensures that every vehicle and every driver operating on behalf of your business is covered — reducing your exposure and protecting your business from the financial consequences of an uncovered accident.

Our agents will work with you to understand your fleet size, vehicle types, driver profiles, and business operations to structure a policy that fits your needs at a competitive rate.

Certificate of Insurance (COI)

Once your commercial auto policy is active, we can provide you with a Certificate of Insurance (COI) as proof of coverage. Many general contractors, property managers, and clients require a current COI before allowing your vehicles on their property or job sites. We process COIs promptly so your business is never held up by paperwork.

Important Notice

Commercial auto insurance coverage terms, conditions, exclusions, and limits vary by carrier, policy, and vehicle type. All coverage is subject to the terms of the applicable insurance policy. The information on this page is provided for general informational purposes only and does not constitute insurance advice. Coverage determinations are made by the insurance carrier based on the specific facts and circumstances of each claim. Please speak with a licensed agent at Fase Insurance Group to determine the commercial auto coverage that is appropriate for your specific vehicles, business operations, and situation.

Serving Businesses in GA, SC, AL & TN

We have offices in Jonesboro, Lilburn, and Conyers GA, and Rock Hill SC. We also serve clients in Alabama and Tennessee by phone. Walk-ins are always welcome, and everything can be handled over the phone.

Our bilingual team serves clients in English and Spanish. Si prefieres hablar en español, estamos aquí para ayudarte.

Get Your Free Quote Today

Call us at 770-960-8803, visit any of our offices, or reach out online. A commercial auto quote is free and our licensed agents will walk you through your options to make sure your business vehicles are properly covered.