As a business owner, your time is valuable. Shopping for auto insurance shouldn’t pull you away from daily operations. At Keisler Insurance Group, we make it easy to secure the right commercial auto insurance for your unique needs. Our independent agency works with over 20 trusted carriers to find quality coverage at competitive rates.
Focus on running your business. Let us handle your coverage. Call (803) 521-0807 or contact us online to explore commercial auto insurance options today.
Call (803) 521-0807 or contact us online to explore commercial auto insurance options today.
Types of Commercial Auto Insurance We Offer
We offer a wide range of commercial auto policies to support businesses of any size. Whether you own a single vehicle or operate a large fleet, we’ll match you with the right coverage.
We help with:
● Trucking Insurance – Coverage for long-haul and short-haul trucks, including liability, cargo, and physical damage.
● Fleet Insurance – Protects multiple business vehicles under one streamlined policy.
● Contractor Vehicle Insurance – Tailored coverage for service-based professionals such as electricians, landscapers, and plumbers.
● Delivery Vehicle Coverage – Safeguards your goods and drivers during routine deliveries.
● Food Truck Insurance – Includes protection for mobile kitchens, specialized equipment, and liability.
● Rideshare and Delivery Driver Policies – Supplemental coverage for businesses using personal or company-owned vehicles.
● Box Truck and Cargo Van Insurance – Designed for freight transportation and equipment haulers.
● Tow Truck Insurance – Includes on-hook towing, garage keepers’ liability, and other essential coverages.
If you’re unsure which type of policy suits your business, our agents will guide you through your options and help you make an informed decision.
Frequently Asked Questions About Commercial Auto Insurance
Commercial auto insurance is a type of coverage specifically designed for vehicles used for business purposes. It protects your business from liability and financial loss in the event of an accident, damage, theft, or other covered incidents involving your work vehicles. This type of insurance typically includes higher liability limits than personal policies and can be tailored to your specific industry needs.
Here, we’ve answered some common questions we hear from our business clients.
Who needs commercial auto insurance?
You likely need commercial auto insurance if your business:
● Owns, leases, or rents vehicles used for business
● Uses personal vehicles for work-related tasks (beyond commuting)
● Has employees who drive company vehicles
● Delivers goods, equipment, or services
● Transports people for compensation (rideshare, shuttle, etc.)
● Operates trucks, vans, or specialized vehicles for commercial use
Even sole proprietors and small contractors can benefit from proper business auto insurance.
What types of coverage are required?
At a minimum, most businesses must carry:
● Liability Insurance: Covers bodily injury and property damage if you’re at fault in an accident. This is legally required.
● Uninsured/Underinsured Motorist Coverage: Protects your business if your driver is hit by someone with insufficient or no insurance.
However, most commercial policies include or can be expanded to offer:
● Collision Coverage: Pays for damage to your vehicle from a crash
● Comprehensive Coverage: Covers non-collision losses like theft, fire, or weather damage
● Medical Payments or Personal Injury Protection (PIP): Covers medical expenses for drivers and passengers
● Hired and Non-Owned Auto Coverage: Covers liability when employees use personal or rented vehicles for business
● Cargo Coverage: Protects goods or equipment in transit (especially important for trucking and delivery businesses)
● Garagekeepers or On-Hook Coverage: For tow trucks and businesses storing customer vehicles
How is commercial auto insurance different from personal auto insurance?
While personal auto insurance covers everyday driving, such as commuting or errands, it often excludes accidents that occur while working or transporting goods. Commercial auto insurance provides broader protection, higher liability limits, and specialized coverage options for the risks your business faces daily.
What affects the cost of business auto insurance?
Several factors determine your premium, including:
● Type and number of vehicles
● Vehicle usage and mileage
● Driving records of employees
● Industry and risk level
● Coverage limits and deductibles
● Location and claims history
As an independent agency, Keisler Insurance Group compares rates across multiple carriers to find the best value for your business.
Can I bundle commercial auto insurance with other policies?
Yes. In fact, bundling commercial auto with other business insurance policies can often lower your overall premium and simplify account management. Many business owners choose to bundle:
● General Liability Insurance
● Workers’ Compensation
● Commercial Property Insurance
● Professional Liability Insurance
● Cyber Liability Insurance
● Business Interruption Insurance
● Commercial Umbrella Coverage
Keisler Insurance Group can create a custom insurance package that meets your business’s full range of needs.
Why Business Owners Choose Keisler Insurance Group
● Independent agency with access to over 20 carriers
● Decades of experience insuring businesses
● Local, personal service from agents who understand your business
● Tailored coverage based on industry, size, and risk profile
● Fast, responsive claims support from a team that puts your needs first and prioritizes resolving issues quickly to minimize interruptions to your operations
Whether you’re a solo contractor or managing a growing team with multiple vehicles, we’ll find solutions that work for you.
What Our Clients Are Saying
“They have always been quick to respond to all my inquiries and handle coverage for several of my businesses. I’m very happy with Keisler’s services, and I will continue to do business here.” –Terry P.
Get a Quote for Commercial Auto Insurance Today
Protect your business vehicles with coverage that fits your needs and budget. Whether you operate a single work truck or manage a whole fleet, Keisler Insurance Group will help you find the right policy—fast, simple, and tailored to your business.
We’re here to make the insurance process easy, so you can stay focused on what matters most: running your business.