Commercial Auto Insurance in North Carolina

Work Trucks, Vans, and Company Cars: Commercial Auto Coverage From Our Durham Agency

If your business relies on vehicles to deliver products, carry tools, visit clients, or transport people, a personal auto policy usually isn't built for that kind of use. Commercial auto insurance is designed for vehicles owned or used by a business. At Alpha Risk Management Services, our Durham team helps companies with one car or a full fleet find coverage that matches how they drive.

Common Coverages on a Commercial Auto Policy

A policy is typically built from several parts. Liability coverage helps pay for injuries or property damage to others when your driver is at fault. Physical damage coverage, including collision and comprehensive, helps repair or replace your own vehicles. Medical payments and uninsured or underinsured motorist coverage can help protect your drivers and passengers.

When Employees Drive Their Own Cars

Do your employees run errands, make deliveries, or visit job sites in their personal vehicles? Hired and non-owned auto coverage can help protect your business if an accident happens while someone is driving a rented or personal vehicle for work. Companies that don't own any vehicles often overlook this coverage.

What Shapes Your Policy

Every business uses vehicles differently. The type of vehicles, how far they travel, what they carry, and who is behind the wheel all play a part in building the right policy. Some industries, such as trucking and transportation, may also have special filing requirements. Tools and equipment carried in your vehicles may need inland marine insurance, and commercial umbrella insurance can add liability protection above your auto limits. Together, these fit into a complete commercial insurance plan.