Why Coastal Businesses Need Commercial Auto Insurance
If your business depends on vehicles, commercial auto insurance is essential. Personal auto policies do not cover business use, leaving companies exposed to major risks. Businesses in Myrtle Beach, North Myrtle Beach, Conway, and throughout the Grand Strand rely on cars, trucks, vans, and fleets every day. Without the right coverage, a single accident could lead to lawsuits, medical bills, and property damage costs that quickly exceed personal policy limits.
At Moore & Associates Insurance, we partner with top-rated carriers to provide policies that safeguard your vehicles, employees, and bottom line. Whether your company transports goods, provides services, or carries passengers, we create customized coverage that ensures you remain protected year-round.
What Commercial Auto Insurance Covers
Commercial auto insurance offers broader protection and higher limits than personal auto policies. Coverage options include:
- Bodily Injury Liability – Pays for injuries or death caused in an at-fault accident, including legal defense.
- Property Damage Liability – Covers damage to another person’s property caused by a business vehicle.
- Combined Single Limit (CSL) – Provides one limit for both bodily injury and property damage claims.
- Medical Payments / Personal Injury Protection – Covers medical expenses for drivers and passengers regardless of fault.
- Uninsured/Underinsured Motorist Coverage – Protects against uninsured, underinsured, or hit-and-run drivers.
- Collision Coverage – Pays for repairs if your vehicle is damaged in an accident.
- Comprehensive Coverage – Covers damage from theft, vandalism, fire, flooding, or other non-collision perils.
Most commercial auto policies are “named driver only,” which means only listed employees are allowed to operate insured vehicles.
Local Expertise You Can Trust
From a single work truck in Conway to delivery fleets in Myrtle Beach and North Myrtle Beach, every business has unique needs. At Moore & Associates Insurance, our local team understands the challenges of operating along the Grand Strand, including heavy seasonal traffic and coastal weather risks.
We work with you to customize a commercial auto policy that provides reliable, affordable coverage while addressing the specific risks of doing business in South Carolina.
📞 Call Moore & Associates Insurance at 843-839-5076 or visit mooremb.com today to speak with one of our commercial insurance specialists about protecting your business vehicles in Myrtle Beach, Conway, North Myrtle Beach, and beyond.