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Carolina Premier Insurance

North and South Carolina

North and South Carolina Commercial Auto Insurance Coverage

Commercial Auto Insurance in North and South Carolina

Many small businesses have commercial vehicles. If you are looking for protection, you will need commercial auto insurance to protect them. Accidents can happen to business vehicles as well. We offer commercial auto policies that will provide you with higher limits and excellent protection at Carolina Premier Insurance LLC in Mint Hill, NC.

Commercial Auto Insurance Requirements

All businesses that own commercial vehicles are required to obtain commercial auto insurance in North Carolina and South Carolina. The law also requires companies to get PIP coverage to cover medical costs for both drivers and passengers no matter who is at fault for an accident.

Commercial auto policies should maintain a minimum policy for each person, each accident for bodily injury, and an amount for property damage coverage.

However, depending on the type of vehicle you have, the limits required may be higher.

Coverage Options

Policies available for commercial vehicles are similar to regular automobiles, including:

  • Comprehensive - This coverage will keep your business vehicle protected if it sustains physical damage from things such as theft, vandalism, hitting an animal, etc.
  • Collision - If your commercial vehicle has been damaged due to an accident with another vehicle, this coverage will protect you.
  • Property damage - If you or your employees cause damage to another person’s property, this will cover any damage. Even if the driver runs over a person’s mailbox, this coverage will protect you.
  • Commercial excess liability coverage - This will provide you with additional protection and liability coverage that will begin when your commercial auto liability ends. In a nutshell, whatever remains after your primary policy ends, this policy will take over.
  • Commercial crime coverage - Since many vehicles are targeted for theft, this will provide your vehicle with additional protection against potential crime that may not be covered entirely by any of the above coverage options.


To obtain a quote for commercial auto insurance, visit Carolina Premier Insurance LLC. We are located in Mint Hill, NC and serve all of North Carolina and South Carolina.

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