Commercial Auto Insurance in Columbus, Georgia

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Commercial Auto Insurance in Columbus, Georgia


Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at Culpepper Insurance Agency Inc will help you find the best coverage you need for your business.


Why should you have Georgia Commercial Auto Insurance?

 In general, an auto used for tasks not related to commuting or the operator’s profession, occupation, or business is covered by a commercial policy.


  • A commercial auto policy is required if your vehicle is used to transport goods or persons for a fee or provide a service.
  • A commercial auto policy might be the best option if you have a high-risk job.
  • A commercial auto policy may be required if you need to transport heavy equipment or tow a trailer for your business.
  • If employees are the vehicle owners, or if the owner is corporate or partnership-owned, a commercial insurance policy might be necessary.


What is Commercial Auto Insurance? Commercial auto insurance provides the same coverages as your personal auto policy. It covers liability, collision, comprehensive and medical payments. There are differences between your personal and commercial auto policies, including coverages, eligibility, exclusions, limits, and definitions.




Most Commercial auto policies are “named driver-only” policies. This means that only the drivers on the policy can drive a covered vehicle.

    What coverages are available?

  • Bodily Injury Liability Cover – Pays for bodily injury and death resulting from an accident in which you were at fault. It also provides legal defense.
  • Property Damage Liability Coverage – Protects if your car causes damage to another person’s property. You also get legal defense.
  • A single combined limit (CSL). Liability policies often offer separate limits for bodily injury and property damage. A combined single limit policy provides the same coverage for each covered event, regardless of whether it covers bodily injury or property damages.
  • No-fault, Personal Injury, or Medical Payments – typically covers the medical expenses of the driver and the passengers of your car that are incurred in an accident covered.
  • Uninsured motorist insurance – covers your injuries and certain property damage caused by hit-and-run drivers or uninsured motorists
  • Underinsured motorist coverage may be included in some cases. This coverage is available in cases where the at-fault driver does not have sufficient insurance.
  • Comprehensive coverage for physical damage – covers damage to your vehicle from theft, vandalism, and fire.
  • Collision coverage pays for damage to your vehicle if another object strikes it.

Commercial Auto Insurance in Columbus, Georgia

Commercial car insurance can seem confusing because there are so many options. In Columbus, Georgia, we can assist you with your commercial vehicle insurance requirements. For all your Georgia commercial auto insurance needs, contact Culpepper Insurance Agent Inc.


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