If your business owns vehicles, uses vehicles, or your employees drive on the job â you need commercial auto insurance. Personal auto policies exclude business use, leaving you fully exposed at claim time. Safenet Insurance Group writes commercial auto across North Carolina for work trucks, vans, fleets, trailers, and service vehicles. Call (336) 280-4606 or quote online.
Who Needs Commercial Auto Insurance?
You need commercial auto if you have:
- Vehicles titled to the business
- Vehicles used primarily for business purposes (deliveries, service calls, job sites)
- Employees driving on the job
- Trucks, vans, or trailers used for hauling materials, tools, or equipment
- Vehicles with company branding or signage
- Vehicles that exceed personal-use weight or capacity ratings
Personal auto policies typically exclude commercial use. If you cause an accident on a job and you’re on a personal policy, the carrier can deny the claim entirely.
Core Commercial Auto Coverages
- Liability â pays for bodily injury and property damage you cause to others. NC contract minimums are typically $1M combined single limit.
- Collision â pays to repair your vehicle after an accident, regardless of fault
- Comprehensive â covers theft, vandalism, fire, falling objects, hail, animal strikes
- Uninsured/underinsured motorist â required in NC at matching liability limits
- Medical payments â covers driver and passenger medical bills
- Hired auto â covers rental vehicles used for business
- Non-owned auto â covers employees who occasionally drive their personal vehicles for business errands
Hired & Non-Owned Auto (HNOA)
If your employees ever drive their own vehicles for company business â even occasionally to pick up supplies, make a bank deposit, or run a delivery â you have HNOA exposure. The employee’s personal policy may deny a business-related claim, and your business is liable. HNOA coverage is inexpensive (often a few hundred dollars per year) and closes the gap.
Industries We Specialize In
- Contractors â work trucks, vans, trailers, equipment haulers
- Commercial trucking â long-haul, regional, hot-shot, box truck
- Service businesses â HVAC, plumbing, electrical, pest control, landscaping
- Delivery and logistics â local delivery, courier, food delivery
- Sales and professional services â fleet sedans, executive vehicles
- Healthcare â non-emergency medical transport, home healthcare
Frequently Asked Questions
Do I need commercial auto if I own my truck personally?
If the truck is used primarily for business, yes. The titling matters less than the actual use. Personal auto policies generally exclude commercial use regardless of ownership.
How much does commercial auto cost in NC?
Highly variable. A single contractor pickup might run $1,200â$2,500/year. Fleet rates and trucking rates are entirely different. We get you actual numbers in 24 hours.
Can you provide same-day certificates of insurance?
Yes. Current-client COI requests are typically processed within an hour.
What about employees driving their own cars for work?
Add hired and non-owned auto (HNOA) coverage. Inexpensive and essential if any employee ever drives personal vehicles for business purposes.
Get a Commercial Auto Quote
Call Safenet Insurance Group at (336) 280-4606 or request a quote online. We’ll map your vehicles, drivers, radius of operation, and contract requirements to the right commercial market.