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Commercial Auto Insurance Georgia


Protect Your Business Vehicles and Drivers


Commercial auto insurance in Georgia costs $1,200–$10,000/year per vehicle, depending on vehicle type, usage, drivers, and coverage limits. For a contractor with pickup trucks and drivers, expect to pay $4,500–$7,500/year for full coverage. Suppose you're a Johns Creek, Alpharetta, or Duluth business owner with company vehicles. In that case, commercial auto insurance protects your business from lawsuits, vehicle damage, and driver injuries—essential for financially responsible business owners protecting their company and personal assets.


Your business vehicles are critical to your operations (delivery, service calls, client meetings). One accident involving your company vehicle could result in a $1 million lawsuit, putting your business and personal assets at risk. That’s why Concierge Insurance Group provides specialized commercial auto insurance solutions tailored for Georgia business owners who value protection and peace of mind.

The Hidden Danger: Personal Auto Insurance Won't Cover
Business Use

Here's what most business owners don't realize:
Your personal auto insurance policy excludes business use. If your employee has an
accident while driving for your business, your personal auto insurance will deny the claim.
The three critical gaps:

❌ Personal Auto Excludes Business Use - Claims denied if vehicle used for business
❌ Low Liability Limits - $100k-$300k won't cover a serious commercial accident
❌ No Hired/Non-Owned Coverage - Employees using personal vehicles for business
aren't covered

The result? Your employee causes an accident while making a delivery. The injured party
sues for $1.5 million. Your personal auto insurance denies the claim. You're personally
liable for $1.5 million.

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What You Risk Without Commercial Auto Insurance

Real scenario from Alpharetta:
An Alpharetta contractor used his personal pickup truck for business (hauling materials,
meeting clients). He thought his personal auto insurance covered him.
One day, his employee was driving the truck to a job site and caused an accident. The other
driver suffered serious injuries.

The Lawsuit

Breakdown:
• Medical bills: $250,000
• Lost wages: $100,000
• Pain and suffering: $400,000
Total: $750,000+

His Personal Auto Insurance

• Claim denied (business use exclusion)
• Paid: $0
• He owed: $750,000+

What Happened

• Sold his business to pay the judgment
• Lost his home equity
• Declared bankruptcy
• 15 years of business building destroyed

All because he didn’t have commercial auto insurance ($2,500/year would have covered everything).

What He Could Have Lost

• His business
• His home
• His retirement savings
• His financial future


What Is Commercial Auto Insurance and How Much Does It Cost?

Commercial auto insurance provides coverage for vehicles used for business purposes, including liability, physical damage, medical payments, and more.

What Commercial Auto Insurance Covers

✓ Liability Coverage - Bodily injury and property damage caused by your business vehicles

✓ Collision Coverage - Damage to your vehicles from accidents

✓ Comprehensive Coverage - Theft, vandalism, fire, weather damage

✓ Medical Payments - Driver and passenger injuries

✓ Uninsured/Underinsured Motorist - Coverage if hit by uninsured driver

✓ Hired Auto Coverage - Rental vehicles used for business

✓ Non-Owned Auto Coverage - Employees using personal vehicles for business

✓ Cargo Coverage - Tools, equipment, materials being transported

✓ Towing & Roadside Assistance - Emergency service

How Much Does Commercial Auto Insurance Cost in Georgia?

Typical annual premiums for North Atlanta businesses:

Vehicle Type Business Use Drivers Annual Premium Monthly Cost
Pickup Truck Contractor 1–2 $1,500–$2,500 $125–$210
Cargo Van Delivery/Service 1–2 $1,800–$3,000 $150–$250
Box Truck Moving/Delivery 2–3 $3,000–$5,000 $250–$415
Service Van Plumber/HVAC 1–2 $1,600–$2,800 $130–$235
Sedan/SUV Sales/Consulting 1 $1,200–$2,000 $100–$165
Fleet (5+ vehicles) Various 5+ $7,500–$15,000+ $625–$1,250+

Example: Johns Creek Contractor

  • 3 pickup trucks (2019–2022 models)
  • 5 drivers (experienced, clean records)
  • Usage: Job sites, materials hauling, client meetings
  • Coverage: $1M liability, collision, comprehensive, cargo ($50k)
  • Total: $6,800/year ($565/month)


Why Commercial Auto Insurance Costs More Than Personal Auto

Commercial auto insurance is more expensive because businesses face greater risk and liability exposure. While personal auto policies cover limited, private use, commercial vehicles are driven more frequently, by multiple employees, and often carry tools, cargo, or clients—making coverage more complex but essential to protect both your business and personal assets.

Higher Liability Exposure

Business vehicles drive more miles, visit multiple sites, and face increased accident potential.

Multiple Drivers

Employees operating company vehicles introduce varying skill levels and driving histories.

Heavier Vehicles

Trucks and vans cause more damage in collisions, leading to higher claim payouts.

Cargo and Tools

Vehicles often carry valuable tools, materials, or cargo that require added protection.

Higher Liability Limits

Businesses often need $1M–$2M liability coverage, far higher than personal policy limits.

Business Operations

Frequent driving for deliveries, client visits, or job sites raises accident exposure.

Factors That Affect Your Cost

Increase Cost:

  • Larger/heavier vehicles (box trucks, dump trucks)
  • Multiple or young drivers
  • Poor driving records (tickets, accidents)
  • High annual mileage (20,000+ miles/year)
  • Urban locations (higher accident rates)
  • Hazardous cargo (chemicals, heavy equipment)
  • Low deductibles

Decrease Cost:

  • Lighter vehicles (sedans, small SUVs)
  • Experienced drivers with clean records
  • Driver training and safety programs
  • GPS or telematics (fleet tracking)
  • Higher deductibles ($1,000–$2,500)
  • Vehicles with modern safety features (backup cameras, dash cams)
  • Multi-vehicle discounts (3+ vehicles)
  • Multi-policy bundles (auto + general liability)

Who Needs Commercial Auto Insurance in Georgia?

Whether you’re a contractor in Milton, a consultant in Alpharetta, or a delivery business in Johns Creek, commercial auto insurance protects your company vehicles, employees, and finances from costly accidents and lawsuits. If any of the points below describe your operations, you likely need coverage.

Self-Assessment Checklist

  • ☑ Use vehicles for business purposes — deliveries, service calls, client meetings, or material hauling
  • ☑ Have employees who drive company vehicles
  • ☑ Let employees use personal cars for business (need non-owned auto coverage)
  • ☑ Rent or lease vehicles for business (need hired auto coverage)
  • ☑ Haul tools, materials, or valuable cargo (need cargo coverage)
  • ☑ Display your business name or logo on vehicles (company signage/branding)
  • ☑ Transport clients or passengers (consultants, real estate agents, healthcare professionals)
  • ☑ Operate a fleet of vehicles (3+ vehicles — fleet coverage required)

If you checked even one box, your business should have a commercial auto policy to stay legally compliant and financially secure.

Johns Creek & Alpharetta Business Owners

These high-growth areas are home to a wide range of businesses that rely on vehicles daily — from contractors to consultants.

  • ✓ Contractors – Plumbers, electricians, HVAC, landscapers (pickup trucks, cargo vans)
  • ✓ Consultants – Business and IT professionals (sedans, SUVs)
  • ✓ Real estate agents – Property showings (sedans, SUVs)
  • ✓ Home services – Cleaning, pest control, home repair (cargo vans)
  • ✓ Delivery services – Food or package transport (cargo vans, box trucks)

Typical Johns Creek Business Example:

  • Industry: IT Consulting Firm
  • Employees: 2
  • Vehicles: 3 SUVs for client meetings and site work
  • Annual Mileage: 15,000 miles per vehicle
  • Recommended Coverage: $1M liability + hired/non-owned auto
  • Estimated Cost: $2,800–$3,500/year

Milton & Duluth Contractors

Contractors and tradespeople rely heavily on their trucks, vans, and equipment — making commercial auto insurance essential to protect assets on and off job sites.

  • ✓ Pickup trucks and cargo vans for hauling tools and materials
  • ✓ Frequent job site travel across multiple locations
  • ✓ Employee drivers operating company vehicles
  • ✓ Tools and equipment worth $25,000–$100,000
  • ✓ High liability exposure (potential $1M+ lawsuits)

Typical Milton Contractor Example:

  • Industry: General Contracting
  • Vehicles: 4 pickup trucks, 2 cargo van
  • Employees: 5
  • Equipment Value: $75,000
  • Recommended Coverage: $2M liability + cargo coverage
  • Estimated Cost: $10,000–$15,000/year

Alpharetta Tech Companies (Sales Teams)

Tech firms often overlook commercial auto insurance — yet employees frequently use personal or rented vehicles for client meetings, demos, and travel.

  • ✓ Sales teams visiting clients and hosting demos
  • ✓ Employees using personal vehicles (need non-owned auto coverage)
  • ✓ Rental vehicle usage for conferences or travel (need hired auto coverage)
  • ✓ High liability exposure due to valuable business assets

Typical Alpharetta Tech Firm Example:

  • Industry: SaaS Company
  • Employees: 10 (Sales & Marketing)
  • Vehicle Use: Personal and rental cars for client meetings
  • Recommended Coverage: Non-owned auto + hired auto
  • Estimated Cost: $1,500–$2,500/year

What Happens Without Commercial Auto Insurance (Real Scenarios)

Problem #1: Personal Auto Insurance Denies Business Use Claims

Example: Duluth Plumber

A Duluth plumber used his personal pickup truck for business, assuming his personal auto insurance covered him. While driving to a job, he rear-ended another car. The other driver suffered neck and back injuries.

The Lawsuit: $250,000 amount
His Personal Auto Insurance:
  • Investigated the claim
  • Found business use (tools, signage)
  • Denied claim (business use exclusion)
  • Paid: $0amount

He owed: $250,000 amount

What Happened:
  • Sold business assets
  • Took out loans
  • Used retirement savings
  • Faced financial devastation
With Commercial Auto Insurance:
  • Liability coverage: $1,000,000amount
  • Paid: $250,000 amount
  • He owed: $0 amount

Cost Difference: Commercial auto: $1,000/year (covered), saving $250,000 amount

Problem #2: Employee Accident Exposes Your Business

Example: Johns Creek Landscaping Company

A Johns Creek landscaping company had employees driving company trucks. The owner had personal auto insurance on them. An employee ran a stop sign and caused a serious accident injuring two people.

The Lawsuit: $1.2 million
His Personal Auto Insurance:
  • Denied claim (business use)
  • Paid: $50 amount

He owed: $1.2 million

What Happened:
  • Business and personal assets sued
  • Declared bankruptcy
  • Lost home equity
With Commercial Auto Insurance + Umbrella:
  • Commercial auto liability: $1,000,000amount
  • Umbrella insurance: $2,000,000amount
  • Total coverage: $3,000,000amount
  • Paid: $1,200,000amount

Problem #3: Tools and Equipment Not Covered

Example: Alpharetta HVAC Contractor

An Alpharetta HVAC contractor’s cargo van was broken into overnight. Thieves stole valuable tools and copper materials.

  • HVAC tools: $35,000amount
  • Copper and materials: $5,000amount
  • Total loss: $40,000amount
His Personal Auto Insurance:
  • Covered vehicle only (not tools)
  • Denied business property claim

He lost: $40,000amount

With Commercial Auto Insurance (Cargo Coverage):
  • Van covered
  • Tools and equipment: $40,000 covered amount
  • He owed: $0 amount (deductible only)

Problem #4: Employee Using Personal Vehicle for Business

Example: Milton Real Estate Agent

A Milton real estate brokerage allowed agents to use personal vehicles for showings. One agent caused an accident while driving a client — and both the agent and brokerage were sued.

The Lawsuit: $500,000 amount
Agent’s Personal Auto Insurance:
  • Denied claim (business use)
  • Paid: $0 amount
Brokerage Liability:
  • No non-owned auto coverage
  • Liable: $500,000 amount
What Happened:
  • Brokerage sued
  • Owner’s personal assets at risk
  • Settled for $400,000 amount
  • Nearly bankrupted the business
With Commercial Auto Insurance (Non-Owned Auto Coverage):
  • Non-owned auto liability: $1,000,000 amount
  • Paid: $500,000 amount
  • Brokerage owed: $0 amount

Cost: $800/year would have saved $500 amount

Commercial Auto Insurance vs. Personal Auto Insurance

Coverage Personal Auto Commercial Auto
Business Use ❌ Excluded ✅ Covered
Employee Drivers ❌ Not covered ✅ Covered
Liability Limits $100K–$300K typical $1M–$2M typical
Cargo/Tools ❌ Not covered ✅ Covered ($5K–$100K+)
Hired Auto ❌ Not included ✅ Optional Add-On
Non-Owned Auto ❌ Not included ✅ Optional Add-On
Fleet Discounts ❌ Not available ✅ Up to 10% off
Cost $1,000–$2,000/year $1,500–$5,000/year per vehicle
What It Covers Personal use only Business use, employees, cargo

When Personal Auto Is Okay

Personal auto insurance might work if:

  • You never use the vehicle for business
  • No employees drive it
  • No business signage on the vehicle
  • No tools or equipment are transported
  • No clients or passengers are transported

Note: Even occasional business use can void personal coverage.

When Commercial Auto Is Essential

Commercial auto insurance is essential if:

  • Vehicle used for business purposes ✅
  • Employees drive company vehicles ✅
  • You transport tools, equipment, or materials ✅
  • Your business name or signage is on the vehicle ✅
  • You transport clients or passengers ✅
  • You rent vehicles for business ✅
  • Employees use personal vehicles for business ✅

For any business use, commercial auto insurance is non-negotiable.

Best Commercial Auto Insurance Carriers (Georgia)

Progressive Commercial

Best for: Small businesses, contractors, fleets

  • Excellent commercial coverage
  • Fleet discounts (5+ vehicles)
  • Cargo, hired, and non-owned auto coverage
  • Telematics/GPS discounts
  • Easy online management

Typical Cost: $1,200–$7,500/year per vehicle

Travelers

Best for: Established businesses, higher liability needs

  • High liability limits ($1M–$2M)
  • Excellent claims service
  • Fleet management tools
  • Hired/non-owned auto coverage
  • Multi-policy discounts

Typical Cost: $1,500–$8,000/year per vehicle

Nationwide

Best for: Multi-policy discounts, bundling

  • Up to 15% multi-policy savings
  • Fleet coverage options
  • Excellent customer service
  • Hired/non-owned auto coverage

Typical Cost: $1,200–$7,000/year per vehicle

The Hartford (AARP)

Best for: Small businesses, mature owners

  • Small business specialists
  • Excellent claims and service
  • Cargo coverage available
  • Business owner discounts

Typical Cost: $1,300–$6,500/year per vehicle

Chubb

Best for: High-value businesses, executive vehicles

  • High liability limits ($2M–$5M)
  • Executive and luxury vehicle coverage
  • White-glove claims service
  • Worldwide and concierge support

Typical Cost: $2,000–$10,000/year per vehicle

As an independent agency, we compare top-rated carriers to find the best coverage at the best price for your Georgia business.

Why North Atlanta Business Owners Trust Concierge Insurance Group

We're Business Owners Too

We understand the unique risks, challenges, and goals of running a business in North Atlanta. Our team knows how to design policies that safeguard both your business operations and your personal assets, giving you confidence to focus on growth instead of worry.

We're Independent — We Work for You

As an independent insurance agency, we work for our clients, not the carriers. We compare policies from trusted providers like Progressive, Travelers, Nationwide, The Hartford, and Chubb to secure the right coverage at the best possible price.

We Serve North Atlanta Businesses

Our agency specializes in supporting business owners throughout Johns Creek, Alpharetta, Milton, and Duluth. We provide tailored coverage that fits the distinct needs of your local industry.

  • Contractors and home service providers
  • Consultants and professional service firms
  • Technology and software companies
  • Real estate professionals and brokerages
  • Small and family-owned businesses

Our Simple 3-Step Process

Step 1: Free Commercial Auto Insurance Quote

We start by gathering a few key details to provide you with a fast, accurate commercial auto insurance quote tailored to your business needs.

  • Vehicle types and quantities
  • Business use (delivery, service, sales, etc.)
  • Drivers (number, ages, driving records)
  • Annual mileage per vehicle
  • Cargo/tools value
Get Your Free Quote

Step 2: Customized Recommendations

Once we’ve reviewed your details, we’ll present side-by-side coverage options from multiple carriers so you can make an informed decision with full transparency.

  • Commercial auto vs. personal auto coverage explained
  • Recommended liability limits for your business
  • Available cargo coverage and endorsements
  • Hired/non-owned auto coverage options
  • Fleet and telematics discounts
  • Multi-policy savings opportunities
  • Transparent pricing and terms

Step 3: Complete Protection & Peace of Mind

Once your policy is in place, you can run your business confidently knowing your vehicles, drivers, and assets are fully protected with coverage designed for your exact needs.

Frequently Asked Questions: Commercial Auto Insurance

Q: How much does commercial auto insurance cost in Georgia?

A: Commercial auto insurance typically costs between $1,200–$10,000 per year per vehicle, depending on vehicle type, usage, and driver history.

  • Pickup truck (contractor): $1,500–$2,500/year
  • Cargo van (delivery): $1,800–$3,000/year
  • Fleet (5+ vehicles): $7,500–$15,000/year

Q: What’s the difference between commercial auto and personal auto insurance?

A: Personal auto policies exclude business use, while commercial auto coverage includes vehicles used for business, employees driving, cargo, and higher liability limits. Any business use requires commercial auto insurance.

Q: Do I need commercial auto insurance if I only occasionally use my vehicle for business?

A: Yes. Even occasional business use can void personal auto coverage. Personal policies deny business-use claims, so commercial auto is essential for protection.

Q: Does commercial auto insurance cover employees driving?

A: Yes, commercial auto policies include coverage for employees driving company-owned vehicles during business operations.

Q: What if employees use their personal vehicles for business?

A: You’ll need non-owned auto coverage to protect your business if an employee causes an accident while using their personal vehicle for work.

Q: Does commercial auto insurance cover tools and equipment?

A: Only if you add cargo coverage. Standard policies don’t include protection for tools, materials, or business property inside the vehicle.

Q: Do I need hired auto coverage?

A: Yes, if your business ever rents or leases vehicles. Hired auto coverage protects against accidents involving those rentals.

Q: Can I get a fleet discount?

A: Absolutely. Most carriers offer 5–10% discounts for businesses with five or more vehicles under one policy.

Q: Should I bundle commercial auto with general liability?

A: Yes. Bundling with general liability or property coverage can save your business up to 15% and simplify policy management.

Q: What liability limits do I need?

A: Most Georgia businesses should carry at least $1 million in liability coverage, and ideally $2 million with an umbrella policy for added protection if your net worth exceeds $500,000.

Protect Your Business Vehicles and Assets Today

📋 Get Your Free Commercial Auto Insurance Quote
Safeguard your business from lawsuits, vehicle damage, and unexpected losses.

What you'll get:

  • ✓ Quotes from Progressive, Travelers, Nationwide, and The Hartford
  • ✓ Commercial auto vs. personal auto comparison
  • ✓ Cargo coverage options
  • ✓ Hired/non-owned auto recommendations
  • ✓ Fleet discount analysis
  • ✓ Multi-policy savings
  • ✓ No obligation — just education
Get Your Free Quote Call (678) 822-0950

📞 Talk to a Commercial Insurance Specialist

Call: (678) 822-0950
Email: info [at] conciergeinsurancegroup [dot] com

We serve businesses in:

Johns Creek • Alpharetta • Milton • Duluth • Roswell • Cumming

Office:
Satellite Blvd
Duluth, GA

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