South Carolina Commercial Auto Insurance: Essential Coverage for Businesses

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If you're a business owner in South Carolina, you know how important it is to protect your company's assets, including your vehicles. Commercial auto insurance is a must-have for businesses that use cars, trucks, or vans for work.

In South Carolina, commercial auto insurance is required for businesses with a certain number of vehicles. According to the state's Department of Motor Vehicles, businesses with five or more vehicles must have liability insurance coverage.

Having commercial auto insurance can help you avoid costly fines and penalties. In South Carolina, drivers who are involved in an accident without insurance can face steep fines and even have their licenses suspended.

By investing in commercial auto insurance, you can ensure that your business is protected in case of an accident or other incident.

Types of Coverage

If you own a business that uses vehicles for work purposes, you'll want to consider commercial auto insurance. Commercial auto coverage for business types like contractors, food trucks, and for-hire livery services is essential for protecting your assets and equipment.

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Commercial auto liability insurance is a must for businesses that use vehicles in conducting business. This type of insurance protects the assets of a company from claims.

Contractors need commercial auto coverage for transporting tools and supplies, as well as traveling between job sites. This type of coverage is essential for protecting their equipment and assets.

Food trucks and other food service businesses depend on their commercial vehicles, which often have expensive equipment attached to them. A commercial auto policy can cover these vehicles and equipment.

Here are some types of commercial vehicles that require special coverage:

  • Wrecker and rollback vehicles
  • Tractor trailers and dump trucks
  • Roadside repair vehicles

These types of vehicles require specialty tow coverages like On-hook and Garagekeepers Legal Liability to protect you when a customer's vehicle is in your possession.

Who Should Consider

Any company that uses vehicles for business should consider South Carolina commercial auto insurance. This is especially true if the vehicles are registered to the business or used for for-hire transportation.

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Hundreds of thousands of small business owners across the nation trust their work vehicles and livelihoods to a commercial auto policy. Each gets customized coverage to match their unique needs.

If you're in South Carolina, you're among the 430,000 small businesses that need commercial auto insurance to protect from accidents involving their commercial vehicles. Vehicles used for work are usually considered higher risk than personal autos and often need specific coverages and limits because of it.

Here are some common professions that need commercial auto insurance in SC:

  • Painters
  • Handyman services
  • Auto mechanics
  • Home inspectors
  • Bakeries
  • Caterers
  • Landscapers
  • Cleaning services
  • Event planners
  • Manufacturers

Who Should Consider Small Business

If you own a small business in South Carolina, you might need commercial auto insurance. Painters, handyman services, and auto mechanics often use company vehicles, making them a good fit for this type of insurance.

Some small businesses that frequently use company cars include home inspectors, bakeries, and caterers. These businesses need to transport equipment, supplies, and personnel to various locations.

Landscapers and cleaning services also rely on company vehicles to get the job done. Event planners and manufacturers may use company cars for deliveries, meetings, and other business-related activities.

Here are some common professions that need commercial auto insurance in SC:

  • Painters
  • Handyman services
  • Auto mechanics
  • Home inspectors
  • Bakeries
  • Caterers
  • Landscapers
  • Cleaning services
  • Event planners
  • Manufacturers

Common Professions

Interior of the Cathedral of St. John the Baptist in Charleston, South Carolina
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If you're a business owner, it's essential to consider commercial auto insurance. Any company that uses vehicles for work purposes should have this coverage. This includes contractors who transport tools and supplies and travel between job sites. Commercial auto insurance can protect your business in case of an accident or damage to your vehicle.

Many businesses rely on their commercial vehicles, like food trucks and restaurants. These vehicles often have expensive equipment attached that a commercial auto policy can cover. For-hire transportation businesses, such as taxis and limousines, also require commercial auto insurance.

Some common professions that need commercial auto insurance include painters, handyman services, and auto mechanics. These professionals often use their vehicles for work, which can increase the risk of accidents or damage. Landscapers, cleaning services, and event planners also require commercial auto insurance to protect their businesses.

Here are some examples of professions that need commercial auto insurance:

  • Painters
  • Handyman services
  • Auto mechanics
  • Home inspectors
  • Bakeries
  • Caterers
  • Landscapers
  • Cleaning services
  • Event planners
  • Manufacturers

Benefits and Savings

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You can save money on your South Carolina commercial auto insurance by getting it directly from us, without a middleman or insurance broker, which can cut costs by up to 20% less than policies with other insurance companies.

By paying in full for your commercial auto insurance, you can save 15% or more, and then take advantage of our other discounts to get the best rate for your South Carolina policy.

Benefits of Small Business

Having small business car insurance can protect you from paying out of pocket for vehicle repairs, injuries, and other expenses that can be devastating to a small business.

You should consider small business auto insurance if your company uses vehicles, especially if they are registered to your business or you are in the for-hire transportation industry.

Not having proper commercial auto liability insurance coverage can leave you with a huge financial burden, so it's essential to have the right insurance in place.

Small business auto insurance can provide coverage for various types of businesses, including those in the for-hire transportation industry.

Save Money

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By cutting out the middleman, you can save up to 20% on your small business insurance policy.

We've seen many businesses take advantage of this cost-saving opportunity, and it's one of the reasons why our customers love working with us.

Paying your commercial auto insurance in full can save you 15% or more.

This discount can add up quickly, especially for businesses with multiple vehicles on the road.

Frequently Asked Questions

What is the best insurance for commercial vehicles?

For commercial vehicles, NEXT Insurance is the best option for small businesses, while Farmers is recommended for contractors. Consider getting a quote from NEXT or Farmers to find the best coverage for your specific needs.

Who is the cheapest auto insurance in South Carolina?

According to our data, Auto-Owners offers the cheapest full-coverage car insurance in South Carolina, with an average annual rate of $1,460. Geico is the second-cheapest option, with an average monthly rate of $128.

Teresa Halvorson

Senior Writer

Teresa Halvorson is a skilled writer with a passion for financial journalism. Her expertise lies in breaking down complex topics into engaging, easy-to-understand content. With a keen eye for detail, Teresa has successfully covered a range of article categories, including currency exchange rates and foreign exchange rates.

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