Business & Commercial Auto Insurance in Greenville SC

Drivers in South Carolina are required to pay for auto insurance for their personal driving needs, but what about business auto insurance? Typically, business auto insurance (sometimes referred to as commercial auto) is not required for all businesses, but highly recommended for businesses who own and operate commercial vehicles, business fleets or require employees to use their personal cars for business needs. At Advisors Insurance Agency in South Carolina, we walk you through commercial auto coverage that best aligns with what you need, what you can afford and the financial risk associated with NOT having coverage for your automobiles.

What Business Auto Coverage Entails

Business auto coverage is required for businesses who require their employees to use their own cars for work, but not required for all other types of businesses including commercial or fleet drivers. Business auto protects vehicles and their drivers by paying for repair costs and medical costs associated with a car accident. If you choose not to pay for business auto insurance on your vehicles, you should consider workers’ comp insurance to cover your employees if they are injured on the job—including car accidents while driving on the job.

South Carolina Requirements

Commercial auto and business auto vary slightly, but the largest difference is that business auto is a requirement for personal vehicles being used for work whereas commercial auto can cover vehicles for commercial use (like trucking or fleet/driving services). If you choose to hold a commercial auto policy, South Carolina requires all policies to have a minimum liability of $25,000 per person, $50,000 per accident and $25,000 for property damage (referred to as a 25/50/25 split policy).

Who Should Have a Business Auto Policy?

Any company that uses vehicles, both personal or commercial (does not include things like Excavators and Bulldozers), should have business auto coverage. This can include companies like:

• Taxi companies
• Garbage / Waste companies
• Postal service
• Companies that require employees to use their own vehicles for work
• Businesses that offer shuttling services
• School bus fleets
• And more!

Contact Advisors Insurance in Greenville SC

Our agency has been around for years, and we work with providers across the state to find you an affordable premium on all types of policies : business, personal, home and life. If you’re a business owner that regularly drives vehicles as part of your day-to-day, consider reaching out to our team for business auto or commercial auto coverage. We help you understand the financial risk associated with your business so we can put together a policy that matches what you can afford to pay and what you can afford to lose in the case of an auto accident. We then help you manage that policy so you, as a business owner, aren’t scrambling on renewing your insurance coverage or dealing with claims on your own. If you’re ready to get started, connect with our business insurance team near Simpsonville and Greer SC today!