North Carolina is thriving, with a 16 percent population growth over the last ten years, and thousands of new businesses. That means thousands of cars, trucks, buses, vans, and trailers have been added to the traffic on highways and county roads. The vehicles you use for business require special insurance coverage to protect your business from liability risks. No matter what kinds of cars and trucks your employees drive in The Old North State, you will need to carry North Carolina commercial vehicle insurance to protect you from financial loss.
An independent agent in the Trusted Choice® network can help you find the right NC commercial vehicle insurance for the cars and trucks your business owns or leases. These agents are not bound to one insurance provider, so they can provide quotes to compare from several insurance companies. Contact a local agent today, to start comparing North Carolina commercial auto insurance quotes tailored to your business.
North Carolina continues to thrive, in spite of a slow economy, thanks to the many jobs available in businesses with less than 500 employees. Industry growth has shifted toward technology and medical services, while production and exports continue to grow.
Whether you move merchandise and equipment with a fleet of trucks, have a delivery van, or use a small company car to travel to meetings, North Carolina commercial vehicle insurance can protect your business from the financial expense of mishaps on the road. A local agent can discuss the vehicles you use for work, and help you find the right commercial auto insurance for your business.
Commercial car and truck insurance works in much the same way as a personal auto insurance policy. It provides liability and property coverage to protect your financial assets from loss. However, a personal auto policy is not sufficient to cover the vehicles you use for business. In fact, you could face legal consequences if you or your employees drive a vehicle for business without proper commercial auto coverage.
Commercial vehicle insurance covers the following:
Other coverage may be a wise investment, depending on the way you use your commercial autos. You may need rental coverage, if you frequently rent cars while out of town, or non-owned vehicle coverage, if your employees sometimes use their own vehicles for small deliveries.
An independent agent can ensure that you have the right North Carolina commercial auto insurance to protect your business and finances.
In general, the bigger the truck, the higher your liability coverage needs to be. An accident involving a large vehicle has the potential to cause much more damage and harm than a small vehicle collision. Commercial truck insurance provides the extra liability coverage you need for your dump truck, car hauler, tow truck, or semi.
Depending on your operations, you may need to purchase additional coverage such as cargo insurance. Cargo insurance protects you from the cost of losing your valuable merchandise in transit, due to collision, theft, or other disaster.
A local agent can help you look over your commercial truck usage, as well as the employees who drive them, so you can make an informed decision about the right level of North Carolina commercial vehicle insurance for your business.
The cost of your North Carolina commercial vehicle insurance depends on many factors, including:
The best way to find out how much coverage you need and how much it will cost is to speak with a local independent agent in your area who can provide personalized quotes based on your unique needs.
You can find North Carolina commercial vehicle insurance, plus business insurance, umbrella policies, and other coverage, by contacting a local Trusted Choice member agent. These agents work with several insurance providers, and can give you customized feedback about your coverage needs. Additionally, a local member agent can handle all of your business insurance requirements, from general liability coverage to workers compensation.
Find an independent agent near you, and start comparing North Carolina commercial auto insurance quotes tailored to your business.