Georgia Commercial Auto Insurance

If your business in Georgia owns or operates vehicles for work-related purposes, commercial auto insurance isn’t just a smart move—it’s often a legal requirement. From church vans in Atlanta to non-profit trucks in Augusta, having the right coverage protects your business from costly accidents, liability claims, and vehicle damage.

Here’s everything you need to know about commercial auto insurance in Georgia: what it covers, who needs it, and how to find the best policy for your business.

What Is Commercial Auto Insurance?

Commercial auto insurance is a type of business insurance that covers vehicles used for work-related purposes. It protects against:

• Bodily injury and property damage liability

• Vehicle damage from collisions, theft, and other events

• Medical expenses for injured drivers and passengers

• Legal fees and settlement costs if your business is sued after an accident

Unlike personal auto insurance, commercial policies are designed for higher-risk, higher-use situations common in business driving.

Georgia’s Legal Requirements for Commercial Vehicles

In Georgia, the law requires minimum liability coverage for any vehicle operated on public roads. For commercial vehicles, the minimums vary based on the type and weight of the vehicle and its use. At a minimum, most businesses must carry:

• $25,000 for bodily injury per person

• $50,000 for bodily injury per accident

• $25,000 for property damage per accident

However, if your business uses vehicles for transporting goods or passengers across state lines (interstate commerce), federal insurance requirements—often much higher—may apply.

What are the coverages?

• Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
• Property damage liability coverage – provides you with protection if your car accidentally damages another persons property. It also provides you with a legal defense.
• Combined single limit (CSL) – Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
• Medical payments, no-fault or Personal Injury Coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
• Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
• Comprehensive physical damage coverage – pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other covered perils.
• Collision coverage – pays for damage to your car when it hits or is hit by another object.

Providing Commercial Auto Insurance in Georgia

Who Needs Commercial Auto Insurance in Georgia?

You may need commercial auto insurance if:

• Your vehicle is titled in your business’s name

• You or your employees drive for business purposes (deliveries, job sites, transporting tools)

• You transport goods or passengers for compensation

• You have a fleet of vehicles for business operations

• You use a truck, van, or specialty vehicle for contracting, catering, cleaning, etc.

Even if you’re a sole proprietor or use a personal vehicle for work, your personal auto policy likely won’t cover accidents that happen while driving for business.

Commercial auto insurance is essential for any Georgia business that relies on vehicles. It keeps your drivers protected, your business compliant with state and federal law, and your bottom line safe from expensive accident-related losses.

If you're unsure what type of coverage you need, consult with us, we can help!