Commercial Auto Insurance

Commercial auto insurance differs from personal auto insurance in many ways. If you run a business that requires your employees to use company vehicles during the course of their daily work, you need protection should anything happen on the road.

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Commercial Auto & Car Insurance

Commercial auto insurance differs from personal auto insurance in many ways. If you run a business that requires your employees to use company vehicles during the course of their daily work, you need protection should anything happen on the road.

Request A Quote

What’s Covered?

Personal auto insurance does not provide coverage for vehicles that are used for the purposes of work, so you will want to ensure you find a quality commercial auto insurance plan.

The risks associated with the commercial use of a vehicle require special provisions and coverages. It is important to work with a commercial insurance agency who understands your business and can advise you on the best coverage for your needs.

Your commercial coverage is mainly meant to protect you in the case of any liability claims. It can also cover the cost of repairing damage or replacing of the vehicle in case of an accident. In any of these situations, your policy can cover you and your employees when driving the commercial vehicle, with coverages including:

  • Liability for an accident caused by one of your employees
  • Coverage for legal fees, property damage and bodily injury
  • Medical coverage for hospitalization and treatments for you, your employee or a passenger
  • Uninsured motorist coverage
  • Collision coverage
  • Coverage for damage caused by another vehicle or object
  • Comprehensive coverage for non-accident damages caused by theft, weather or vandalism

South Carolina’s Trusted Commercial Auto Insurance Company

King Street Agency has years of experience finding businesses quality commercial auto insurance policies at the best rates. We will work with you to define a policy that is right for you and your company. The size of your business and the number of vehicles you need to insure are among the variables we will consider, ensuring that you have the coverage you require.

Call King Street Agency today to speak to one of our dedicated agents, or request a commercial auto insurance quote.

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Frequently Asked Questions About Commercial Auto Insurance in South Carolina

Commercial auto insurance provides coverage for vehicles owned, leased, or used by a business. It protects businesses from financial loss due to accidents, injuries, property damage, and vehicle-related liability that occur while vehicles are being used for work purposes.

You need commercial auto insurance if vehicles are used for business activities such as transporting tools, making deliveries, visiting job sites, or carrying employees. Personal auto insurance does not cover vehicles used primarily for business purposes.

Commercial auto insurance can cover:

  • Company-owned cars and trucks
  • Vans and delivery vehicles
  • Service vehicles
  • Food trucks
  • Specialty or customized vehicles

Coverage applies whether the vehicle is owned, leased, or hired by the business.

Commercial auto insurance may include:

  • Liability coverage for bodily injury and property damage
  • Collision coverage for accident-related vehicle damage
  • Comprehensive coverage for theft, vandalism, or weather-related damage
  • Medical payments coverage
  • Uninsured and underinsured motorist coverage
  • Legal defense costs related to covered accidents

Coverage options vary by policy.

Yes. Commercial auto insurance generally covers employees who are authorized to drive company vehicles during the course of their work duties.

Not automatically. If employees use personal vehicles for work, hired and non-owned auto liability coverage may be needed to protect the business.

Yes. Businesses operating vehicles in South Carolina must meet state minimum auto liability requirements. Higher limits are often required by contracts or clients.

South Carolina generally requires minimum liability limits similar to personal auto policies, but businesses often carry higher limits to reduce risk exposure.

Coverage needs depend on:

  • Number and type of vehicles
  • Nature of business operations
  • Number of drivers
  • Contractual requirements
  • Value of vehicles

Higher-risk industries typically require higher limits.

Costs vary based on:

  • Vehicle type and value
  • Driving records of employees
  • Industry risk level
  • Annual mileage
  • Coverage limits and deductibles

Commercial auto policies are priced differently than personal auto insurance.

Yes. Comprehensive coverage protects against non-collision losses such as theft, vandalism, fire, or storm damage.

Yes. Commercial auto insurance is often bundled with general liability, umbrella insurance, or a Business Owner’s Policy for cost savings and simplified management.

KSA Insurance has years of experience helping businesses across Charleston and South Carolina secure reliable commercial auto insurance policies that meet both legal requirements and operational needs.

You can request a quote online or contact KSA Insurance directly. Be prepared to provide vehicle details, driver information, and how the vehicles are used in your business.

South Carolina’s Trusted Commercial Auto Insurance Company

King Street Agency has years of experience finding businesses quality commercial auto insurance policies at the best rates. We will work with you to define a policy that is right for you and your company. The size of your business and the number of vehicles you need to insure are among the variables we will consider, ensuring that you have the coverage you require.

Call King Street Agency today to speak to one of our dedicated agents, or request a commercial auto insurance quote.

Request A Quote

Need help? Call now to speak with one of our customer service representatives.

(843) 408-4232

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