Low Cost Commercial Vehicle Insurance in Asheville and all of North Carolina

Commercial Vehicle Insurance to fit your budget & needs

Let our agency help keep your company vehicles on the road!

​When do I need Commercial Auto Insurance?
You need commercial auto insurance for any vehicle that your company uses for business purposes, any vehicle that has a commercial license plate or tag and any vehicle that is registered as a commercial auto.
You must also get commercial auto coverage if your employees will be driving or using vehicles in the course of doing business, whether making deliveries, driving people to the airport or running errands on behalf of the business.
If you use your vehicle for any of the following functions, you may also be required to get commercial coverage:

• Using the vehicle to carry equipment
• Transporting flammable or hazardous material
• Transporting housekeeping equipment for business use
• Using, carrying or transporting cranes, or a winch or plow
• Hiring your vehicle out to tow other vehicles
• Delivering any goods such as pizza or any form of wholesale or retail products
• Delivering newspapers
• Trucking and freight transportation
• Transporting people as a chauffeur, limousine service or taxi service

Some situations and certain occupations may be covered under standard auto policies, but you should always ask our insurance agency if your vehicle use warrants a commercial policy.

​We provide truck insurance for most commercial trucks including:
​✔  Landscaping, Artisan and Contractors insurance
✔  Pool and Pest Control Services
✔  Courier and Delivery insurance
✔  Service Vans and Pickups (all use & sizes)
✔  Semi Truck Insurance and Flatbed Truck Insurance
✔  Equipment and Trailer Insurance

​Your business is your livelihood – Our insurance agency can help you find the most affordable business auto coverage, matching it to carriers and coverage for all your needs.
Learn more by speaking with one of our knowledgeable agents today.
✔   We only offer coverage from best commercial vehicle insurance companies in the nation, including the #1 truck insurer in America which has an A+ rating from A.M. Best.
✔   Get a free commercial vehicle insurance quote today and see how much you can save

What Does Commercial Auto Insurance Cover?
Commercial Auto Insurance can help pay to repair physical damage to the vehicle you drive for business if it's damaged by theft, weather events, or collisions. It can also pay for lawsuit costs associated with accidents, such as medical expenses and legal fees.
Let's take a more in-depth look at business auto insurance coverage and how it protects your company.
Commercial Auto Insurance Coverage: What's Included
A commercial auto insurance policy usually offers four major types of protection:

• Auto liability coverage can help pay for property damage or bodily injury you cause. It can also help pay for accident-related legal expenses, such as attorney fees or settlement costs.
• Medical payment coverage can cover medical bills if you or your passengers are injured in a car crash, regardless of fault.
• Physical damage and collision coverage can pay for repairs if your vehicle is damaged by something other than a car accident. For example, theft, vandalism, certain weather events, and collisions with an object are usually covered incidents.
• Uninsured motorist coverage can help pay for damage to your car or bodily injuries you suffer if somebody who doesn't have insurance hits your vehicle.

You may already have liability insurance, such as General Liability Insurance or Professional Liability Insurance, to protect your business from lawsuit costs. But commercial auto coverage is the policy that helps your business address lawsuits over car accidents. Considering how often you might drive for work, this protection can be valuable.

​Do I Need Commercial Auto Coverage If I Have a Personal Auto Policy?
It depends. If you only use your personal vehicle to commute and to occasionally meet a client, your personal auto coverage might be enough.
However, business auto coverage might be a better fit if:

• You frequently drive your personal vehicle for business.
• You own a vehicle that is registered to your business.
• Your employees drive company vehicles.

Commercial Auto Insurance Isn't Your Only Option
Commercial Auto Insurance offers useful protection, but it doesn't cover employees who drive their personal vehicles for business. Your business can be held liable for accidents that happen during these company errands, so it's smart to have Hired and Non-Owned Auto Insurance just in case.
Hired and Non-Owned Auto coverage offers liability protection for accidents that happen when employees drive their own vehicles on behalf of your business. If your employees frequently use their personal vehicles to do their job, you may want to consider purchasing this policy.
That's the beauty of small business insurance – there's a policy for most of your business needs!