Commercial Auto Insurance in Greenville and Spartanburg, SC

If you own one or more vehicles for business use -- perhaps a catering van or a landscaping truck -- chances are that they are critical to making sure your daily operations run smoothly.

Since a personal auto insurance policy won’t safeguard your vehicle in case of an accident, Commercial auto insurance is an absolute must. This form of insurance will cover you if an employee has an accident while driving a company vehicle and the victim sues, if an employee is injured in a vehicle and requires medical care, or if the auto ends up in the shop when you need to use it. Commercial vehicles covered under such a policy include cars, vans, trucks, trailers and more. We offer commercial auto insurance to clients in Greenville, Spartanburg, Anderson and surrounding communities.

Business auto insurance, customized

Cover your wheels, employee and company alike with commercial auto insurance from Kendall & Associates Insurance Agency, Inc.. We’ll tailor your policy to your business’ specifications and work with you to find the proper coverage for your needs. Common forms of commercial auto insurance include:

Auto liability
Collision coverage
Comprehensive coverage
Medical payments
Rental reimbursement
Roadside assistance
Towing
Uninsured/underinsured drivers

Request a quote or contact us to find the right commercial auto insurance for your business today.

Common Commercial Auto Insurance Questions:

Why do I need commercial auto insurance?
When you buy a vehicle (or fleet of them) for your company, or even allow an employee to operate their own vehicle on your behalf, then your business could be one of the parties to suffer should something happen to one of those drivers or vehicles. Commercial auto insurance is designed to provide you with financial assistance throughout the recovery process, and as a result your company won’t face financial setbacks just because an accident occurred.

Who needs commercial auto insurance?
Commercial auto insurance is designed specifically for vehicles and drivers operating on behalf of a business. Though very similar to personal auto insurance, a commercial auto policy will contain specializes coverage terms that are designed to protect the company’s investment in the vehicles.

Various vehicles and drivers might need to be covered a commercial auto policy. These include:

Vehicles owned by a business
Employees who drive their personal cars on business-related errands
Company cars provided to employees for commercial and private use
Vehicles hired or rented by the business
Certain personal vehicles that qualify as commercial due to their weights or sizes

What does commercial auto insurance cover?
The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:

Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.

Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.
Property Damage Liability Coverage: This pays for damage to the other party’s property.

Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

Additionally, other policies and endorsements might help you expand your benefits, such as:

Inland Marine Insurance
Roadside Assistance
Rental Car Reimbursement
Custom Parts Coverage

Replacement Cost Vehicle Coverage
Gap Insurance

Is commercial auto insurance required?
Because your business’s uses of vehicles are unique, you must customize your commercial auto plan in order to make it work specifically for you.

You must carry coverage that meets all standards set by South Carolina's mandatory insurance laws. Minimum coverage limits are:

Bodily Injury Liability: $25,000 per person/$50,000 per accident
Property Damage Liability: $25,000 per accident

South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25). There is typically a $200 deductible.

Auto insurers are required to offer you underinsured motorists coverage in South Carolina, but you are not required to purchase it.

Regardless of any coverage requirements, the benefits you will receive by investing in higher levels of coverage (even when it is optional) will ensure you have a high degree of protection available in the event of any particularly challenging vehicle mishap.

How much does commercial auto insurance cost?
Numerous factors can influence the costs of commercial auto insurance, including the types and amounts of coverage you buy, the location of your business and the value of the vehicles to be insured.

Our agents are committed to working with you to optimize benefits in ways that will still keep them affordable, even as you build upon your coverage to ensure you receive the highest level of protection.