Commercial Auto Insurance | Fase Insurance Group

Commercial Auto Insurance for Contractors and Business Owners in Georgia and South Carolina

If you use a vehicle for work, this page matters. Every day, contractors and small business owners across Clayton County, Gwinnett County, Rockdale County, and York County drive their trucks and vans to job sites without realizing that their personal auto policy may not cover them while that vehicle is being used for business. A single uncovered accident can mean significant out-of-pocket costs, legal exposure, and business disruption at the worst possible time.

At Fase Insurance Group, we help contractors, tradespeople, and business owners get the right commercial auto coverage for how they actually work. We are an independent agency, which means we work with multiple carriers — including Progressive, Kemper, National General, Assurance America, and others — to find the most competitive rate for your vehicles and your situation.

Who Needs Commercial Auto Insurance?

If you or anyone on your team operates a vehicle for any business purpose, a personal auto policy is likely not enough. This applies to landscapers, roofers, painters, concrete contractors, and anyone else hauling tools, equipment, or materials to a job site. It applies to business owners running deliveries in a cargo van, dump truck operators, and fleet operators with multiple vehicles and multiple drivers. If the vehicle is being used to generate income, it needs to be insured accordingly.

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.

A personal auto policy is designed to cover your vehicle for everyday personal use — commuting, errands, family trips. A commercial auto policy is designed to cover your vehicle when it is being used for business — transporting tools or materials, making deliveries, hauling equipment, or any other work-related activity.

If you use the same vehicle for both personal and business purposes, your coverage needs to reflect both uses. Insurance carriers review the circumstances of every claim. If a vehicle was being used for commercial purposes at the time of a loss, a personal-only policy may not respond the way you expect — and that is not a conversation anyone wants to have after an accident.

This does not mean you need two separate vehicles. It means you need the right policy structure for how your vehicle is actually used. We will review your specific situation — what you drive, how often, and for what purposes — and make sure your coverage is structured correctly so you are protected whether you are on the job or heading home at the end of the day.

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

Vehicles We Cover

We write commercial auto policies for pickup trucks, cargo vans, work vans, box trucks, flatbeds, dump trucks, concrete haulers, and other vehicles used for business purposes. Whether you have one work truck or an entire fleet, we can structure a policy that fits your operation.

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 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 from a collision with another vehicle or object, regardless of fault.

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

Uninsured/Underinsured Motorist Coverage — Protects you if your vehicle is hit by a driver who carries no insurance or not enough to cover your damages.

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

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

Certificates of Insurance

Once your policy is active, we can provide a Certificate of Insurance as proof of coverage. Many general contractors, property managers, and clients require a current certificate before allowing your vehicles on a job site. We process them promptly so your business is never held up by paperwork. If you also need a certificate for your Workers Comp or General Liability policy, we handle those as well — all in one place.

Serving Business Owners Across the Southeast

Our offices are in Jonesboro, Lilburn, and Conyers in Georgia, and Rock Hill in South Carolina. For business owners in Alabama and Tennessee, we handle everything by phone.

We have built long-standing relationships with Hispanic business owners across the region — from the construction and landscaping communities in Birmingham, Huntsville, Albertville, and Decatur in Alabama, to contractors and tradespeople in Nashville, Murfreesboro, and Shelbyville in Tennessee. If you are running a business and need coverage that works as hard as you do, we understand your world and we are here to help.

Our team is bilingual and ready to assist in English and Spanish. Si prefieres hablar en español, estamos aquí para ayudarte.

Get Your Free Quote

A commercial auto quote is free and takes just a few minutes. Call us at 770-960-8803, stop by any of our offices, or reach out online. We will walk you through your options and make sure your business vehicles are properly covered.

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. 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 coverage appropriate for your specific vehicles, business operations, and situation.