08/17/2026
If you're a sole proprietor who owns a vehicle used primarily for business, or if you're starting a business with a fleet of company vehicles, you may need commercial auto insurance. Commercial coverage typically has higher liability limits than personal auto insurance. It can cover cars, trucks, limos, and vans used to:
Transport goods or equipment
Drive clients or employees
Perform a service that you’re paid for
Charge passengers a fee to ride in your vehicle
Charge people a fee to transport goods in your vehicle
Haul heavy, work-related loads, such as a dump truck
Tow a trailer used for business
If you or your employees use a personal vehicle for work errands, you should consider purchasing hired and non-owned auto insurance. This policy provides liability coverage if you get into an accident while driving your own vehicle for work purposes. It also provides protection when your business rents or leases a vehicle.
This policy only covers legal bills resulting from an accident, not physical damage. For example, it won't pay for repairs if your vehicle is damaged in an accident.
Got questions? We got answers. Text us 704-464-0300 or check out website below
Thanks
Advising NC/SC.
Owner/broker/licensed Christian Gallardo is operating an independent insurance agency servicing NC/SC with top rated carriers to advise the best insurance needs. The owner has established a presence in the Mecklenburg community working with different non-profit entities, sponsoring events, helping s...