Commercial Auto Insurance

We’re the Commercial Auto Insurance specialists in the Concord, China Grove NC area

As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk.

What commercial auto coverage do you need, and how much?

What are the risks to you, your drivers, and your business that commercial auto insurance can cover?

Driver Distraction and Commercial Automobile Operation
The Department of Transportation investigated the impact of distraction in commercial motor vehicle (CMV) crashes and safety-critical events in 2009. They found the following:

  • Drivers were involved in non-driving tasks in 71% of CMV crashes
  • Distracted driving caused 46% of near-crashes and 50% of safety-critical events

Types of Vehicles Commercial Auto Insurance Covers

Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to:

  • Company cars
  • Cargo Vans
  • Limos
  • Taxis
  • Buses
  • SUVs
  • Pickup trucks

Commercial auto policies cover personal cars that are used for business, as well as SUVs, light duty trucks, buses, limousines, taxicabs, vans and other delivery vehicles used solely for business purposes.

Use of these automobiles is associated with a range of risk factors, including how you use them, how often, and how many miles they travel each year, among other factors. Insurance companies review these risk factors along with any efforts your company may make to improve driver safety, when they assess the amount of coverage your business needs.

If you are looking for coverage information on large trucks and heavy equipment used for business purposes, refer to the commercial truck insurance section.

commercial auto insurance China Grove NC

What Does Commercial Auto Insurance Cover?

Commercial auto insurance is similar to personal auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use. A commercial auto policy is designed to protect your business from significant losses that could affect your company’s financial well being.

Commercial auto insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

Bodily injury liability: This portion of the commercial auto policy covers harm to others in an accident caused by you or your employee. Bodily injury coverage will provide compensation for medical costs, funeral costs if necessary, and the costs associated with a lawsuit. The amount of compensation your company receives depends upon the limit set on your bodily injury liability coverage, as well as your deductible.

Property damage liability: This coverage will pay the costs to repair property damage caused by you or your employee. The amount of coverage you receive is based on the limits you set and your deductibles. It is a good idea to work closely with an agent to assess your risks as well as the potential costs of injury, property damage and legal fees. For the best protection, consider buying a commercial umbrella liability policy.

Collision: As with your personal auto policy, a good commercial auto policy should include adequate collision coverage to pay for the damage to your vehicles in the event you or your employees cause an accident.

Comprehensive: Known also as “other than collision,” your comprehensive coverage is an important protection for damage to your vehicle or loss due to causes other than collision. These causes can include weather, theft and vandalism.

Uninsured and underinsured motorists: If one of your drivers is in an accident caused by another motorist who does not have adequate insurance, this coverage will help to pay for damages and injuries to your vehicle and your driver, up to the limits set on your policy.

Medical payments: This coverage pays for medical and/or funeral expenses for you, your drivers and passengers after an accident.

Additional optional coverage: A wide range of additional coverage types may be available, depending on the insurance company you work with and the state your business is in. For example, you may be able to buy coverage for your employees when they drive a car or truck your company does not own.

You might also buy coverage for a rental replacement auto if your company car is in the shop. You could opt to get towing and roadside assistance. Some insurance companies even provide very specific coverage for companies who load and unload cargo, due to the increased liability risk involved.

The right commercial insurance can protect you, your business, and all of the drivers in your commercial cars, vans, pickup trucks or limos in an accident. One of the most critical ways to protect your company is by having adequate liability coverage in case you or one of your employees causes an accident that injures another person or damages their property.

Does Commercial Auto Insurance Cover Personal Use?

Small business owners and entrepreneurs often use their own cars while on the job without a second thought. However, it is important to know that your personal insurance may not cover commercial use of your auto.

It’s very common for a small business owner to send an employee out on an errand, whether to get supplies from the local store or to give a business consultant a ride from the airport.

If the staff member gets behind the wheel of his own car, and the business owner does not have a commercial auto insurance policy in place that covers that worker and his car, any injuries or damage that result from an accident may not be covered.

Regardless of how much or how little you and your employees use personal vehicles in the course of doing business, getting adequate coverage in place can prevent a financially damaging event from putting your business at risk.

An agent like Jason Bentley Agency, can provide all of your commercial coverage through one office. We can sit down with you, get to know your business, and learn how you and your employees use your business automobiles.

We’ll ask a variety of questions designed to not only get you an accurate quote, but also find discounts that may be available to you.

You may be asked questions such as:

  • How many commercial automobiles do you have?
  • How are those vehicles used? For example, do they transport people, goods, hazardous materials, or food?
  • How many miles does each vehicle typically travel in a year?
  • How many drivers do you have?
  • What are their ages and level of experience?
  • Have your drivers taken a safe driving course?

If you’re in the market for commercial auto insurance in China Grove, or if you have coverage already but aren’t sure it’s comprehensive or competitively priced, we’ll give you an open and honest assessment of your coverage to determine whether or not you can do better.

Robyn is so helpful and is always quick to respond. Making changes is always a smooth and easy process!!
Andrea Davenport
Andrea Davenport
Robyn does such an incredible job! She puts such a huge amount of time into helping me. I have always been able to send her an email or call her and she is so quick to respond. She gets the job done and done well! I always tell her she’s a life saver! Overall, I would recommend this agency! Everyone does a great job!
Elahna Hudson
Elahna Hudson
We have really enjoyed working with Jay , he is really on top of things and easy to work with !
Eastern Tree Service
Eastern Tree Service
Highly recommend the Grogan agency for all your insurance needs.
Andrew Lange
Andrew Lange
Quick and responsive to questions and best rates I found.
Kelby Loden
Kelby Loden
We have been very blessed to have the The Grogan Agency cover so many aspects of our lives over the last 20 years! Great group of folks - they are like family. Only a phone call or email away no matter what our question or need. Would HIGHLY recommend!
Susan Hill
Susan Hill
Robyn is the best! Anytime I have questions she always takes time out of her day to answer them. 10/10
Stephen Mauck
Stephen Mauck
Sweet, professional, and high quality. The agents of the Grogan agency are a pleasure to talk to and make a frustrating part of life easier.
Brian Panos
Brian Panos
We use Jarrod Jackson and will not use another company. The whole staff is very helpful and everyone is quick to call back and resolve any issues.Definitely recommend them
ashley towery
ashley towery
Jay does a great job advising his clients. He takes the time to understand your goals and give you the best advise (even if it isn’t a product he can provide). Thanks Jay!
Will Slappey
Will Slappey
We moved here a year ago and go the cheapest insurance we could find. When things came up for renewal I came to Jay Grogan's office to reevaluate where I was at. They pointed out several holes in my former policies and catered the new coverage to what fits my current needs. When I left, I felt 100% informed and much more confident in my new policy.
Suzie Wiggins
Suzie Wiggins
I'm a financial adviser and refer many of my clients to Jay as most people don't think to shop their home & auto too often. Nationwide is good insurance but Jay also has a number of other options as well to fit the needs of each client and has done a great job saving my clientele money. There have been a few instances where it didn't make sense for a client to switch and Jay had enough integrity and professionalism to tell the client "good job" rather than attempting to just sell a policy. I've worked with both Jay and Robyn Davis in his office and both are excellent. I wouldn't hesitate to refer either of them.
Sam Price
Sam Price
We have been with the Grogan Agency since he began which is over 25 years so that should tell you how pleased we have been I have known Jay and his family as neighbors when their kids were born. Robyn and jarrod are excellent to work with. The claims we have had to make were paid in a very timely manner. I can truly recommend this agency for all your insurance needs.
Bobbie Andrews
Bobbie Andrews
Always go above and beyond to make sure we have the best coverage. Extremely personable and helpful. This office pours into the community as well. Thank you Grogan Agency!!
Misti Patterson
Misti Patterson
I operate a small non-profit program and was not well versed in insurance converge prior to beginning my journey. The team at the Grogan agency has been extremely helpful over the years in answering my questions, assisting me with deadlines, and anything else I have asked. Their professionalism and genuine kindness are greatly appreciated.
carrie jones
carrie jones
Pleasant to deal with, prompt service, reasonable competitive pricing
Kevin Hermecz
Kevin Hermecz
Jay and his team are great to do business with. They make the process very easy in helping my family be secure in our most valuable assets. You won’t go wrong with their team in helping you with your insurance needs!
Benji Wilson
Benji Wilson
The folks at the Grogan Agency provide professional and personalized service. I highly recommend them!
bill reid
bill reid
Trust is key. Like most people, I have plenty to do and don't care to be an expert in all thing insurance. I trust the Grogan agency and I know that I have the right coverage for my current needs at a good rate.
Craig Byram
Craig Byram
Customer service and promtp handling of claims.
mark nix
mark nix
Great agency with incredible service, they have always taken care of me whenever I have needed them.
Anthony Riley
Anthony Riley
I review my coverage every year with Jay Grogan. Excellent advice about how to save on the coverage for my personal and business insurance. Insurance coverage exceeds my expectations.
George Barnett
George Barnett
I've been with The Grogan Agency for years. My claims process was super smooth and they handled everything. Great team to work with. Highly recommend!!
Russell Renfroe
Russell Renfroe
Amazing customer service! My wife and I have been a individual customers for several years and have been nothing but pleased! They have always been happy to help me tweak things to save a little here and there! Roadside assistance is great! Now they are helping me with my business acct. Love it!
Samuel White
Samuel White
The Grogan Agency has been incredibly easy to work with. They respond immediately to any issues and make sure they get you the best rate available. I know I'm taken care of when I can talk to my agent instead of just dealing with an 800 number.
Mark McCollister
Mark McCollister