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Protect Your Small Business Vehicles With Georgia Commercial Auto Insurance From The Allen Thomas Group Insurance Agency
Operating on Georgia’s roads can be challenging for businesses.
Commercial auto insurance in Georgia protects your company from unexpected financial losses due to accidents.
With over 20 years of experience, The Allen Thomas Group Insurance Agency offers personalized Georgia business insurance policies that align with your specific needs.
The Experts: From understanding coverage types to navigating Georgia’s requirements, our service page is your guide for all the auto insurance information, helping understand why you require commercial auto policy to cover vehicles used for business.
Let us help you compare commercial auto coverage options and find the best policy in Georgia.
Get a free quote today and ensure the best commercial auto insurance cover for every journey.
How much does commercial auto insurance cost in Georgia?
Commercial auto insurance in Georgia costs an average of just under $150 per month, or approximately $1,800 per year.
Why Georgia Businesses Need Commercial Auto Insurance?
Commercial vehicle owners in Georgia are required to carry commercial auto insurance. The bustling streets of Atlanta and the winding rural roads of South Georgia present unique risks for business vehicles.
If you run a business in Georgia, commercial auto insurance shields your company from potential financial ruin due to accidents, theft, or damage.
Possible situations: What if your delivery driver causes a multi-car pileup on I-75? Or what if a client slips and falls while entering your company van? These scenarios underscore the need for robust commercial auto coverage, whether required by Georgia state law or not.
Without it, your business could face lawsuits, hefty repair bills, and reputational damage. Auto policies usually cover you against all such potential risks.
Reality encountered: A Savannah-based catering company faced a $500,000 lawsuit when their van rear-ended a car on Abercorn Street. Their comprehensive business car insurance covered the damages, legal fees, and medical expenses, saving the business from bankruptcy.
Georgia’s Commercial Auto Insurance Requirements for Small Businesses
The Georgia Department of Insurance mandates minimum liability coverage for all commercial vehicles. These requirements aim to protect both businesses and the public.
Minimum won’t give you enough: Minimum liability coverage in Georgia includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. However, these minimums may not suffice for many businesses. We recommend higher limits to fully protect your assets.
For instance, a landscaping company in Alpharetta might need higher coverage limits due to the frequent use of heavy equipment on public roads. Similarly, a courier service in Savannah might require increased liability coverage due to the high mileage their vehicles accumulate daily.
What if your truck causes a pile-up on I-285 in Atlanta? The minimum Georgia business insurance coverage might not cover all the damages, leaving your business vulnerable.
That’s why we tailor policies to your specific needs and risk profile.
Types of Commercial Vehicle Insurance Coverage in Georgia
Business auto insurance offers various coverage types to protect your commercial vehicles. Here’s a breakdown of the primary options:
Liability Insurance: This type of commercial insurance typically pays for damages your vehicle causes to others. If your company truck sideswipes a car on Peachtree Street in Atlanta, liability coverage helps pay for the other driver’s vehicle repairs and medical bills.
Collision Coverage: This insurance is designed to cover damage to your vehicle from accidents. If your delivery van collides with a guardrail on I-16 near Macon, collision coverage helps your small business pay for repairs.
Comprehensive Coverage: Get Georgia comprehensive coverage to protect small business owners against theft, vandalism, and natural disasters. If a fallen tree damages your parked company car during a storm in Marietta, comprehensive coverage has you covered.
Medical Payments: This covers medical expenses for you and your passengers. If your employee is injured while driving a company vehicle in Columbus, medical payments coverage can help with hospital bills.
Uninsured/Underinsured Motorist: This protects you from drivers without adequate insurance. If an uninsured driver hits your company SUV in Augusta, this coverage steps in to cover the costs.
Hired and non-owned auto insurance: This type of insurance for your Georgia business is an essential component of a comprehensive auto policy for Georgia businesses.
These coverages protect your business from liability arising from accidents involving vehicles you don’t own but use for business purposes.
Why Choosing the Best Business Insurance Carrier Matters?
Choosing the best insurance provider for your commercial auto needs in Georgia is crucial for several reasons.
A reputable carrier can provide reliable coverage as per your business insurance needs, competitive rates, and efficient claims processing. They should have a strong financial rating to ensure they can fulfill their obligations in case of a claim.
Additionally, a carrier with a local presence in Georgia can offer personalized service and a better understanding of the state’s specific insurance regulations and requirements.
By selecting the right insurance carrier, you can safeguard your business against unexpected financial losses and enjoy peace of mind on the road.
Our approach begins with listening to understand your business needs. Whether you’re a food truck operator in Athens or a construction company in Marietta, we take the time to learn about your specific operations and risks.
Next, we educate you on your options. We break down complex insurance jargon into plain English, ensuring you understand what each type of business insurance means for you.
Then, we customize a policy that fits your business like a well-tailored Georgia peach. We consider factors like your vehicle types, usage patterns, and risk exposure to create a comprehensive coverage plan.
Finally, we provide ongoing support and claims assistance. If you need to file a claim after an accident on I-75, we’re here to guide you through the process and advocate on your behalf.
What if you could have an insurance partner who knows Georgia business as well as you do?
With The Allen Thomas Group, you do. We’ve helped countless businesses navigate the complexities of commercial auto insurance.
Types of Businesses We Insure
We provide commercial auto liability coverage for a wide range of Georgia businesses. Whether you’re a startup in Athens or a corporation in Marietta, we’ve got you covered.
Georgia Construction companies need robust coverage for their heavy equipment and frequent job site visits. We provide policies that cover everything from pickup trucks to excavators.
Delivery services face unique risks due to their high mileage and tight schedules. Our policies offer protection against accidents and cargo damage.
Landscaping businesses in Georgia use a variety of vehicles, from trucks to riding mowers. We create comprehensive policies that cover all their equipment.
Food trucks need coverage that protects both their vehicle and their mobile kitchen equipment. Our policies are designed to meet these specific needs.
Taxi and limousine services require coverage that protects both their vehicles and their passengers. We offer policies with high liability limits to ensure adequate protection.
Trucking companies traversing I-75 need policies that cover long-haul risks and comply with interstate regulations. Our team is well-versed in these complex requirements.
Real estate agencies use vehicles to transport clients and visit properties. We offer policies that protect against accidents and liability claims.
Home service providers, from plumbers to electricians, rely on their vehicles to reach customers. Georgia requires businesses to carry auto coverage to ensure they’re protected on the road and at job sites.
What if your food truck breaks down on the way to a big event in Alpharetta? Our roadside assistance coverage would help get you back on track.
Or what if your real estate agency’s car is vandalized while parked at a property showing in Buckhead?
Our comprehensive coverage would have you covered.
Your Local Georgia Business Insurance Expert is Here
We understand the unique challenges of driving in Atlanta traffic and navigating rural roads in South Georgia.
This local expertise allows us to provide tailored advice and coverage.
What if you had an insurance agent who could chat about the Bulldogs’ latest game while crafting your perfect policy? With The Allen Thomas Group, you do.
We are an independent insurance agency, bringing a personal touch to small business insurance.
With 20 years of experience in the niche, we leverage our deep knowledge of Georgia’s business landscape with our passion for serving our community.
We don’t just sell policies; we’re here for you when you need us most.
Risk Management Tips for Georgia Businesses
Proactive risk management can help reduce your premiums and keep your business running smoothly. Implementing a driver safety program is a great start.
This could include regular training sessions on defensive driving techniques, particularly useful for navigating Atlanta’s busy highways or rural Georgia’s winding roads.
An ounce of prevention: Regularly maintaining your vehicles is another key strategy. This not only keeps your fleet in top condition but also helps prevent breakdowns and accidents. Consider setting up a maintenance schedule that aligns with each vehicle’s usage patterns.
Data driven: Using telematics to monitor driving behavior can provide valuable insights.
These devices can track speed, harsh braking, and other driving habits, allowing you to address risky behaviors before they lead to accidents.
Establishing a vehicle use policy sets clear guidelines for your employees.
This might include rules about personal use of company vehicles, procedures for reporting accidents, and expectations for vehicle care.
Conducting regular driver record checks helps ensure your employees maintain good driving habits. This is particularly important for businesses in industries like trucking or delivery services, where driving is a primary job function.
What if you could reduce your premiums by up to 15%?
By implementing these risk management strategies, many of our clients have done just that.
Tailored Insurance Solutions Built For Your Georgia Business
We know how frustrating and complex the process of finding the right commercial auto insurance can be.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Start A Georgia Commercial Auto Insurance Quote Now With The Allen Thomas Group
Your business is vulnerable on Georgia roads.
Partnering with the best insurance agency in Georgia is the right way forward.
The Allen Thomas Group is here to provide the protection you need with the personal touch you deserve.
What if you could have peace of mind knowing your business vehicles are fully protected? With The Allen Thomas Group, you can.
Call us today at (440) 826-3676 for a free, no-obligation auto insurance quote.
Let’s work together to keep your business moving forward, safely and securely.
Remember, in Georgia, we don’t just sell insurance – we cultivate partnerships that help your business thrive.
Are you ready?
Get a quote now and your certificate of insurance too!
Get More Insights On Making The Right Insurance Decision For Your Company
How is commercial vehicle insurance different from personal auto policies?
Take commercial auto insurance to protect vehicles used for business purposes in the state of Georgia. It typically offers higher coverage limits and broader protection. For example, if you’re a contractor in Savannah using your truck to haul equipment, a commercial policy would cover risks that a personal auto insurance policy in Georgia wouldn’t.
Do I need Georgia commercial auto insurance if I use my personal vehicle for work?
If you use your personal vehicle for business purposes beyond commuting, you may need a commercial auto coverage policy in Georgia state. This could apply if you’re a real estate agent in Atlanta using your vehicle in Georgia to drive clients to property showings, or if you’re a consultant who regularly drives to client sites.
How can I lower my commercial car insurance premiums?
All businesses in Georgia should implement safety programs, maintain good driving records, bundle policies, and consider higher deductibles to reduce commercial auto insurance rates.
How often should I review my commercial auto insurance policy?
The Allen Thomas Group recommends reviewing your business insurance in Georgia for commercial vehicles annually or whenever your business undergoes significant changes. For instance, if your Athens-based catering business adds a new food truck to your fleet, it’s time to review and update your policy.
Choose your area: Popular Georgia Communities We Serve Business Owners
Acworth
Albany
Alpharetta
Americus
Athens
Atlanta
Auburn
Augusta
Austell
Bainbridge
Barnesville
Belvedere Park
Braselton
Bremen
Brookhaven
Brunswick
Buford
Cairo
Calhoun
Candler-McAfee
Canton
Carrollton
Cartersville
Cedartown
Centerville
Chamblee
Clarkston
College Park
Columbus
Commerce
Conley
Conyers
Cordele
Country Club Estates
Covington
Cumming
Cusseta
Dacula
Dahlonega
Dallas
Dalton
Decatur
Dock Junction
Doraville
Douglas
Douglasville
Druid Hills
Dublin
Duluth
Dunwoody
East Point
Eatonton
Evans
Fairburn
Fair Oaks
Fairview
Fayetteville
Fitzgerald
Flowery Branch
Forest Park
Fort Oglethorpe
Fort Valley
Gainesville
Garden City
Georgetown
Gresham Park
Griffin
Grovetown
Hampton
Hapeville
Hinesville
Holly Springs
Irondale
Jefferson
Jesup
Johns Creek
Kennesaw
Kingsland
LaFayette
LaGrange
Lawrenceville
Lilburn
Lithia Springs
Locust Grove
Loganville
Lovejoy
Mableton
Macon
Marietta
Martinez
McDonough
McRae-Helena
Milledgeville
Milton
Monroe
Morrow
Moultrie
Mountain Park
Newnan
Norcross
North Decatur
North Druid Hills
Panthersville
Peachtree City
Peachtree Corners
Perry
Pooler
Port Wentworth
Powder Springs
Redan
Richmond Hill
Rincon
Riverdale
Rome
Roswell
Sandy Springs
Savannah
Scottdale
Skidaway Island
Smyrna
Snellville
South Fulton
Statesboro
St Marys
Stockbridge
Stonecrest
Stone Mountain
St Simons
Sugar Hill
Suwanee
Swainsboro
Thomaston
Thomasville
Thomson
Tifton
Toccoa
Tucker
Tyrone
Union City
Valdosta
Vidalia
Villa Rica
Vinings
Warner Robins
Waycross
Whitemarsh Island
Wilmington Island
Winder
Woodstock
