N. Raleigh | (919) 878-7786
S. Raleigh/Garner | (919) 661-1100

Commercial Auto Insurance

Commercial Auto Insurance Information

Commercial Auto Insurance

Raleigh, Garner, Clayton, Fayetteville, NC

Do you drive for business? Make deliveries? Travel long distances for work? If so, then you likely need commercial auto insurance. Coverage comes designed specifically for you, your business and the vehicles you use. With attention to detail, you can get enhanced protection for all your driving needs.

Let ACF Insurance Services, Inc. help you get a quote on affordable commercial auto coverage.

What Is Commercial Auto Insurance?

Commercial auto insurance is car insurance that applies specifically to vehicles used for business purposes. These might include delivery vans, freight trucks, company automobiles and any other vehicle a business uses in the normal course of operations. From sole proprietors to long-haul truckers and major corporate operators, almost any business driver can benefit from the right commercial coverage.

Why Do I Need Coverage?

When you drive for business, you expose not only yourself, but also your company, to risks. Think about how much you stand to lose if you have a wreck while driving on business.

If a wreck occurs, you might damage company property and bring about high repair costs. It might also injure you, harm others and damage their vehicles. Harmed third parties might even decide to sue you or the business for their losses. As repair costs rise, your solvency might fall, and eventually put your operations on unstable financial footing.

You want to protect yourself and your business from such scenarios. That’s why you need auto insurance to begin with. However, you cannot insure commercial vehicles on standard car insurance. Therefore, commercial auto coverage might be your only option.

Who Needs Coverage?

People who drive for business don’t fit a mold. You and your neighbor might have totally different jobs and different vehicles. But, you both might need commercial auto insurance. Coverage can apply to:

  • Company-owned vehicles with employee drivers
  • Sole proprietors who drive their personal cars on businesses
  • Employees who drive their personal cars as representatives of a business
  • Vehicles provided to employees for business and personal use, but owned by the business

Your vehicle itself will need targeted protection. Here at ACF Insurance Services, we proudly provide coverage options for all shapes and sizes of commercial drivers. Along with standard vehicles, we can insure:

  • Pickup trucks
  • Utility trucks
  • Flatbed trucks
  • Stake Body trucks
  • Straight/Box trucks
  • Step vans
  • Cargo vans
  • Dump trucks
  • Boom trucks
  • Limousines and taxis
  • Tow trucks
  • All types of trailers

To get the right coverage, call one of our agents. We can help you determine mandatory, optional and specialized coverage elements to get you the most extensive and protective coverage available.

Commercial Auto Coverage Options

A commercial auto policy contains many standard and unique elements. You can benefit from:

  • Liability Insurance: Most states will require you to carry this coverage. It insures policyholders against the damage they cause others if they are at-fault in an accident.
    • Bodily Injury Liability Coverage pays for medical bills (and in some cases deaths) to third parties
    • Property Damage Liability pays for damage to the others' property, including their vehicles
  • Collision Insurance: If you or a driver wreck your commercial vehicle, then this coverage can help you pay for your own repair costs. Coverage can also help you replace the vehicle.
  • Comprehensive Insurance: This coverage works similarly to collision coverage. However, it pays for vehicle damage from non-accident mishaps, such as theft, fire or weather damage.
  • Medical Coverage: This insurance covers your own medical bills and those of your passengers after a wreck. It may also cover death expenses.
  • Uninsured/Underinsured Insurance: This coverage insures you against damage caused by someone else who doesn’t have appropriate liability coverage.

Specialized Policy Enhancements

We won’t just stop you with regular car insurance elements. By adding other, enhanced coverage to your policy, you’ll create more protection for items not fully covered by standard policy elements.

  • Motor Truck Cargo Coverage: This coverage pays for the freight you transport in your vehicle. It might help you pay to clean up cargo spills, settle lawsuits and reimburse clients for their lost items. Don’t forget to ask about Refrigeration Breakdown Coverage to insure perishable cargo within a refrigerated vehicle.
  • Hired and Non-Owned Liability: If you don’t own the vehicle you drive for business, you’ll need this coverage. It will still insure you and the vehicle while you drive it. Coverage will often apply to rented, borrowed or hired vehicles.
  • Towing and Roadside Assistance: If you need help after a vehicle breakdown, this coverage can apply to you. Also, don’t forget to buy Rental Car Insurance to cover temporary vehicle costs.

Depending on your use of commercial vehicles, the types and amounts of insurance you need will vary. Let an ACF Insurance agent help you determine the appropriate amounts of coverage.

Contact Us Today

Don’t hesitate to get a quote on a personalized commercial auto insurance policy right now! Call our Raleigh office at (919) 878-7786 or our Garner office at (919) 661-1100 or request an online quote today!

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