Commercial Auto Insurance in Beaufort, NC & Morehead City, NC

Vehicles used for business purposes face different risks than personal cars, and standard auto insurance may not cover those exposures. Commercial auto insurance is designed to help cover company-owned vehicles, employee drivers and other automobile-related risks tied to your operations.

Whether you manage a fleet or just one company car, the right coverage can help you keep business moving forward after a covered event.

What Commercial Auto Insurance May Cover

A commercial auto policy may include several coverage types. Common options include the following:

• Liability coverage may help pay for bodily injuries or property damage to others if one of your drivers causes an accident.
• Collision coverage may help cover repair or replacement costs if a business vehicle is damaged in a crash, regardless of fault.
• Comprehensive coverage may help pay for noncollision incidents such as fire, theft, vandalism or weather damage.
• Medical payments coverage may help with medical expenses for the driver and passengers if they’re injured in a covered accident.
• Uninsured/underinsured motorist coverage may help pay for damages if your business vehicle is hit by a driver with little or no insurance.

Depending on your industry, additional coverages such as hired/non-owned auto liability or cargo protection may be worth considering.

Who Needs Commercial Auto Insurance?

In North Carolina, your business is legally required to have a commercial policy if you or your employees regularly use vehicles for business tasks, such as transporting equipment, delivering goods or visiting job sites. Even if the vehicle is personally owned, using it for work purposes typically still requires commercial coverage.

Some businesses also face contractual requirements to carry specific limits or types of auto coverage, especially in construction, delivery or professional services.

Start Your Coverage Conversation

Willis Insurance works with businesses across Beaufort, NC & Morehead City, NC to find commercial auto insurance tailored to their operations. Contact our team today to request a personalized quote or learn more about what your policy should include.