Commercial Auto Insurance Coverage

Protection for your business when it’s out on the road.

Get collision coverage for your vehicles in the event of an accident.

Business auto insurance covers everything from a restaurant’s one delivery van to a contractor's fleet of trucks and trailers. This insurance can provide you with liability, physical damage, and cargo coverage. Premiums can vary based on the type of vehicles, use of vehicles, miles traveled, and type of coverage requested.
  • Coverage for a variety of vehicle types
  • Insurance for physical damage, medical bills from an accident, and cargo coverage
  • Premiums adjusted depending on your vehicles and use

Imagine your delivery driver crashing into another car while on a route. Whether it be a fender bender or a serious accident, if the courts find your driver liable, you have security for your business accounts. The more vehicles your business has, the more likely a driver will be involved in an accident. For a small business, one mishap could result in large charges that could bankrupt the business.
  • Protection from multiple types of accidents
  • Prevent a business disaster if courts find your driver responsible
  • Perfect for small businesses or large corporations

Get a Quote

We want your business to stay protected from damages and court filings. Are you ready to talk with a professional? Our team is trained in providing expert insurance advice so you find the coverage you need at a price that works for you. Too many businesses have shut their doors after an accident because they didn't have insurance coverage. Work to get a policy that's just right for your business.
  • Work with an expert to get the coverage you need
  • Protect your vehicles, workers, and your bank account
  • Only pay for what you need
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The benefits of commercial auto insurance: is it worth it?

As a business owner, you make hard decisions on a daily basis. Some choices, however, should be easy. Deciding whether or not to get commercial vehicle insurance is one of them. Unfortunately, many company leaders find themselves wondering: what is commercial auto insurance?
If your company relies on vehicles to get work done, taking out a commercial auto insurance policy is in your best interest. Regardless of whether you're operating a single work truck or a whole fleet of company cars, the potential benefits of commercial auto insurance far outweigh the risks of not having it.
  • The benefits of commercial auto insurance greatly outweigh the risks of going without
  • Make smart business decisions with commercial auto coverage

What is commercial auto insurance?

Commercial auto insurance is a special form of coverage designed to protect your business following an accident caused by you or an employee while operating a company vehicle. The policy can offset the costs associated with things like:
Tree falling on car

What does commercial auto insurance cover?

Like personal auto insurance, coverage will extend to:
  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • And uninsured motorists coverage.

However, a commercial auto insurance policy may have differences in definitions, coverages, limit options, exclusions, and eligibility options in comparison to your personal auto insurance policy.
Man in delivery truck

Cover Your Vehicles

We can provide effective coverage for just one vehicle or an entire fleet. From moving trucks to four-door sedans, we provide affordable options for all. Your insurance payments can change depending on the type of vehicle and its intended use.

We cover:
  • Business sedans
  • Trucks
  • Fleets
  • Delivery vehicles
  • And more

Contact us and talk with an insurance professional to find what coverage is best for you. We provide affordable and customizable plans.
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What are some of the benefits of commercial auto insurance?

No matter how carefully you drive, you can't prevent all accidents from occurring. Courts may decide that you or one of your employees are liable for causing or contributing to an accident. Depending on the severity of the crash, this could lead to a major financial burden that either compromises the survival of your company or limits its growth. The right commercial auto insurance could save your business from going belly up.
  • Without coverage, you put your business at risk
  • Save your business from financial disaster

Commercial auto insurance might also increase your ability to do business effectively. For instance, a client seeking proposals for a major contract may demand that all bidders possess insurance. Advertising that you have insurance could also assure regular consumers that you're trustworthy.

Commercial auto insurance dramatically increases your protection in complex legal situations, such as when:
  • You want to lease or rent vehicles and equipment but don't want to pay steep insurance fees each time.
  • Your staff operates their own vehicles on behalf of your company, but their personal insurance policies don't cover such situations.
Cash up front

The Price of Personal Vehicle Coverage vs Commercial Vehicle Coverage

Depending on your uses, commercial auto insurance coverage may be cheaper than personal coverage of vehicles. Personal vehicles typically have more crashes and tend to be involved in more accidents. Along with that, commercial drivers are usually trained on how to drive with the company's safety precautions.
Our team will work to get you the best policy depending on your company’s needs.

Minimizing the Cost of Commercial Auto Insurance

The benefits of commercial auto insurance aside, you can't be blamed for wanting to reduce what you pay for coverage. Fortunately, commercial policies are somewhat like personal auto insurance in that they come in a variety of different forms with customizable coverage terms.

The secret to getting the most out of your payments lies in working with a good agent. Our qualified professionals can help you design a policy that's appropriate for your business vehicle usage so that you never pay for something you don't need.
  • Customizable plans for coverage
  • Talk with an insurance expert for the perfect plan
  • Only pay for the coverage you need

To discover more about your options, contact us.

Do you have a question about commercial auto insurance?

Our agents are ready to answer any of your questions.
Guardian Insurance Group is an independent insurance agency that serves customers in Tennessee, Arkansas, and Mississippi. They offer a wide range of personal and commercial insurance products, including auto, home, and business insurance.

Guardian Insurance Group is committed to providing clients with the best possible service. They have a team of experienced and knowledgeable agents who are dedicated to helping their customers find the right insurance coverage for their needs. Guardian Insurance Group also offers a variety of online resources to help their customers manage their insurance policies.

In 2022, Guardian Insurance Group was voted in the top three for Best Insurance Agency by the DeSoto Times-Tribune. This award is a testament to the hard work and dedication of the agency's team. Guardian Insurance Group has locations in Memphis, TN, Southaven, MS and Byhalia, MS and is committed to providing clients with the personalized and unique service they deserve.
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