Commercial Auto Insurance in Georgia – Protect Your Business on the Road in Atlanta, Georgia
Reliable coverage from a local agent who understands how your business runs.
At The Elkins Agency, we help business owners protect the vehicles that keep their operations moving. Whether you drive one company car or manage a full fleet, we make coverage simple, personal, and easy to understand. You focus on your business — we’ll help protect the wheels behind it.
What Your Policy Should Cover In Atlanta, Georgia
We break down what a strong commercial auto policy includes — and why it matters.
Liability Coverage
Protects your business if a driver causes an accident that injures someone or damages property. This is the foundation of any commercial auto policy.
Physical Damage (Collision & Comprehensive)
Covers repairs or replacement for your vehicles if they’re damaged in an accident, stolen, vandalized, or hit by weather-related events.
Uninsured/Underinsured Motorist
If you’re hit by someone with little or no insurance, this helps cover injuries or vehicle damage — an essential safeguard for Georgia drivers.
Medical Payments Coverage
Helps pay for medical expenses for you or your employees after an accident, regardless of who is at fault.
Optional Add-Ons
Ask us about gap coverage, rental reimbursement, towing and roadside assistance, or protection for tools or equipment stored in your vehicles.
Why Commercial Auto Insurance Is Essential In Atlanta, Georgia
Personal Auto vs. Commercial Auto
Personal auto policies typically exclude business use. If you’re using a vehicle for deliveries, service work, transporting equipment, real estate showings, or company errands, a dedicated commercial policy ensures you’re fully protected.
Business-Related Risks on the Road
Company vehicles face higher risks: more miles, more stops, heavier loads, and tighter schedules. A commercial policy is built to handle those real-world exposures.
Protecting Your Business Assets
A single accident can impact your finances, operations, and reputation. Commercial auto protects your vehicles, your drivers, and your business from the unexpected.
Add-Ons That Matter
Smart extras that help keep Georgia businesses moving.
Hired & Non-Owned Auto Coverage
Protects your business when employees use personal vehicles for work.
Cargo Coverage
Covers the goods, tools, or materials your vehicle is carrying.
Rental Reimbursement
Keeps your operations running if your vehicle is in the shop after a covered loss.
Roadside Assistance
Helpful support when your drivers need a tow, jump-start, or locksmith.
Our Approach to Commercial Auto Insurance In Atlanta, Georgia
One Vehicle or an Entire Fleet
Whether you drive a single van, several pickups, or a mixed fleet, we build coverage that matches your business size and vehicle types.
Hard-to-Insure Vehicles
We work with specialty markets for contractors, delivery vehicles, landscaping trucks, food trucks, and other vehicles with unique risks or equipment attached.
Reliable Coverage, Affordable Rates
We compare top commercial auto carriers known for strong claims support and competitive pricing — helping you get dependable coverage at a fair rate.
Guidance for New Business Owners
If commercial auto insurance is new to you, we’ll walk you through what’s required, what’s optional, and what actually matters based on the way your business operates.
Frequently Asked Questions – Commercial Auto Insurance
Who needs commercial auto insurance?
Any business that uses a vehicle for work — contractors, real estate agents, landscapers, delivery services, mobile businesses, and more.
Is commercial auto more expensive than personal auto?
Generally, yes. Commercial vehicles usually drive more, carry more, and face higher risk. We’ll run the quotes so you know your exact difference.
Does commercial auto cover the tools in my vehicle?
Not usually. Tools and equipment are typically covered under inland marine/equipment coverage. We can help you add this protection if needed.
Are employees covered when driving my company vehicle?
Yes — employees listed on the policy or permitted to drive are typically covered. We’ll help you set this up correctly from the start.
Protect Your Business Vehicles
Your vehicles are essential to your work — make sure they’re properly covered.