Why Businesses Need Commercial Auto Insurance
If your business relies on vehicles, the right commercial auto insurance is essential. Personal auto policies do not cover business use, which means companies in Myrtle Beach, North Myrtle Beach, Conway, and the Grand Strand need specialized protection for cars, trucks, vans, or fleets. At Moore & Associates Insurance, we partner with top-rated carriers to provide policies that safeguard your vehicles, employees, and bottom line.
Commercial auto insurance is required whenever vehicles are used for business purposes, such as transporting goods, providing services, or carrying passengers for a fee. Coverage is also necessary if employees drive company-owned vehicles, your business owns service trucks or vans, you haul heavy tools, trailers, or equipment, or your company requires higher liability limits due to industry risks. Without the right policy, a single accident could lead to lawsuits, medical expenses, or property damage costs that exceed the limits of a personal auto plan. Our team ensures you have the right protection in place so your business stays covered year-round.
What Does Commercial Auto Insurance Cover?
Commercial auto insurance provides many of the same protections as personal auto policies, but with higher limits and broader eligibility. Coverage options include:
- Bodily Injury Liability: Pays for injuries or death caused in an at-fault accident and covers legal defense.
- Property Damage Liability: Covers damage to another person’s property caused by your business vehicle.
- Combined Single Limit (CSL): Offers one limit for both bodily injury and property damage claims.
- Medical Payments / Personal Injury Protection: Pays medical expenses for drivers and passengers regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Protects against losses caused by uninsured, underinsured, or hit-and-run drivers.
- Collision Coverage: Covers damage to your vehicle in an accident.
- Comprehensive Coverage: Covers damage from theft, vandalism, fire, flooding, or other covered perils.
Most commercial auto policies are “named driver only,” which means only listed employees can operate insured vehicles.
Local Expertise You Can Trust
Whether you manage a single work truck in Conway, a service van fleet in Myrtle Beach, or delivery vehicles in North Myrtle Beach, Moore & Associates Insurance can customize a commercial auto policy to fit your needs.
We understand the unique challenges of doing business along the Grand Strand, from heavy tourism traffic to coastal weather risks, and we are here to make sure your company vehicles are fully protected.
Call 843-839-5076 today to speak with one of our commercial insurance specialists about protecting your business vehicles in Myrtle Beach, North Myrtle Beach, Conway, and the Grand Strand.
