Commercial insurance options
Or, quote another product
Customizable coverage options for your business vehicles
Commercial insurance options
Or, quote another product
Many of North Carolina’s 934,000 small businesses need commercial auto insurance to protect against accidents involving their business vehicles. A commercial auto policy offers specialized coverage options and higher limits that are often needed by vehicles used for work.
Over 750,000 small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they’re a wholesale distributor in Asheville or a real estate agent in Greensboro.
Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance typically doesn’t cover vehicles used for work purposes.More Info
Contractors need commercial auto coverage for things like transporting various tools and supplies and traveling between job sites. These are business-related activities that need the additional protection of a commercial policy.More Info
Food trucks and other food service businesses, like restaurants and ice cream vendors, depend on their commercial vehicles. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.More Info
Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles might require commercial coverage.More Info
We’re the #1 truck insurer in the nationΔ, insuring everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services is accessible whether you’re driving locally or outside of North Carolina.More Info
We offer protection whether you own a wrecker, rollback or roadside repair vehicle. You can add specialty tow coverages like On-hook and Garagekeepers Legal Liability to protect you when a customer’s vehicle is in your possession.More Info
Several factors affect the cost of your North Carolina commercial auto policy, including your:
Some industries have more risk than others. A contractor who carries tools and equipment to various job sites every day can expect to pay more than a photographer who travels to a single destination.
Your vehicle’s size and use affect your rate. A heavy food truck with a grill and a deep fryer will likely have a higher premium than a small bakery delivery van with minimal equipment.
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.
It’s common to pay more for commercial auto coverage in a large city like Raleigh than in a smaller city like Greenville. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events, such as hurricanes, floods and wildfires, are also factors.
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Charlotte’s city limits is considered lower risk than a vehicle with a regional route that covers the entire Piedmont region.
The amount of coverage you need affects your premium. Policyholders with the North Carolina state minimum limits of 30/60/25 will pay less than a policyholder needing a combined single limit of $1M.
North Carolina’s state minimum liability limit 30/60/25 is called a split limit. It separates, or “splits,” the dollar amounts payable by your insurer for bodily injury and property damage into three groups. By choosing North Carolina’s state minimum limits, your policy will pay up to:
Learn more about liability coverage. Discover ways to save on your commercial auto insurance.
North Carolina state law requires you to have personal injury protection (PIP) coverage to pay for the medical expenses of your drivers and passengers regardless of who is at fault for an accident.
The state law requires all commercial auto policies to have a minimum liability limit of $30,000 per person, $60,000 per accident for bodily injury and $25,000 for property damage (i.e., 30/60/25). Some policies are required to carry higher limits based on the types of vehicles they insure.
It's required that all commercial vehicles have uninsured motorist (UM) coverage. This coverage helps pay for the medical expenses that result from injuries caused by an uninsured driver or a hit-and-run situation. Underinsured motorist (UIM) coverage could be required depending on the liability limits you choose.
Browse more examples of professions we insure.
We’re the #1 commercial auto insurer* in the country, insuring over 1.5 million commercial vehicles. Here’s a few of the many reasons small business owners trust us:
We understand you might need help outside of regular business hours, whether you need to adjust your coverages, request an insurance certificate or pay a bill.
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast after an accident.
Save up to 15% by paying your policy in full, and take advantage of our other commercial discounts † to get the best rate for your North Carolina policy.
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, workers’ compensation and more.
We offer North Carolina commercial auto insurance statewide, including these major cities: