- Tree Insurance Agency, LLC – GA 305 Trilith Pkwy, Ste 300 #1771 Fayetteville, GA 30214
Commercial Auto
Commercial Auto Insurance
If a vehicle is used for business — even part of the time — a personal auto policy won’t cover it when something goes wrong. Commercial auto insurance protects your business, your drivers, and the vehicles that keep your operation running.
Don't let one accident shut your business down.
A single uninsured accident involving a business vehicle can expose your company to lawsuits, out-of-pocket repairs, lost income, and even business closure. At Tree Insurance Agency, we specialize in finding commercial auto coverage that fits your operation — whether you run one truck or an entire fleet. We shop multiple carriers so you get the right protection at the right price, without the runaround.
- We work for you — not the carrier: As an independent agency, we compare multiple carriers to get your business the best coverage at the most competitive rate.
- Fast quotes, same day coverage: We know downtime costs money. We move quickly to get your vehicles covered so your operation doesn't miss a beat
- A real person answers: When one of your drivers is in an accident, you call us — not an automated robot. We know your policy and we go to bat for your business
No obligation. No pressure. Just real numbers so you can protect your business the right way.
We Insure All Types of Commercial Vehicles
- Trucking From long-haul semis to regional box trucks, we cover owner-operators and trucking companies with the specialized coverage the industry requires.
- Delivery vans & cargo vans Whether you're delivering goods, running routes, or operating a courier service, your van is a business asset that needs business-level protection.
- Company cars & fleets Insure one company car or an entire fleet under a single commercial policy. We make fleet management simple with coverage that scales with your business.
- Contractor vehicles IPickups, work vans, and service trucks used for contracting, construction, landscaping, plumbing, electrical — if it's a work vehicle, it needs commercial coverage.
- Tow trucks Towing operations have unique liability exposures. We find carriers that understand the industry and provide coverage built for towing and recovery businesses.
- Food trucks Your food truck is both a vehicle and a place of business. We pair commercial auto coverage with the other protections food truck operators need..
- Rideshare & transportation Rideshare drivers, non-emergency medical transport, and passenger carriers need coverage that bridges the gaps personal policies leave behind.
- All other commercial autos If it's used for business, we can insure it. Buses, dump trucks, utility vehicles, specialty equipment — if it's got wheels and it works for your business, talk to us.
Coverage Options Explained
- Liability: Covers bodily injury and property damage your driver causes to others. Required by law for all commercial vehicles — and often required at higher limits than personal policies.
- Collision: Pays to repair or replace your commercial vehicle after an accident, regardless of fault. Essential if your vehicles are financed or if downtime would hurt your bottom line.
- Comprehensive: Covers non-collision damage — theft, vandalism, fire, hail, flooding. Protects your investment when the road isn't even the problem
- Uninsured / Underinsured Motorist: Protects your driver and vehicle when the at-fault party has no insurance or insufficient coverage — a very real risk on today's roads.
- Medical Payments (MedPay): Covers medical expenses for your driver and passengers after an accident, regardless of fault. Helps keep your employees protected and your business out of costly disputes.
- Cargo coverage: If your vehicles haul goods or equipment, cargo coverage protects what's inside. A must-have for delivery, freight, and any business transporting client property..
- Roadside Assistance: Towing, jump starts, tire changes, and lockout service — keeping your drivers moving and minimizing costly downtime when something goes wrong on the road
- Rental reimbursement: Covers the cost of a replacement vehicle while yours is being repaired after a covered claim. Keeps your business running even when a vehicle is out of commission.
- State & federal filings: Certain commercial vehicles — especially those operating across state lines or hauling regulated cargo — are required by the FMCSA or state authorities to file proof of insurance (Form MCS-90, BMC-91, etc.). We handle the filings directly so your business stays compliant and keeps operating without interruption.
- Medical Payments (MedPay): Covers medical expenses for your driver and passengers after an accident, regardless of fault. Helps keep your employees protected and your business out of costly disputes.
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Keep Your Policy Active — The Business Cost of a Lapse
An uninsured business vehicle is a liability waiting to happen
If one of your vehicles is involved in an accident without active coverage, your business — not an insurance company — absorbs the cost. That means vehicle repairs, medical bills, legal fees, and potential judgments coming directly out of your pocket. Beyond the immediate hit, a lapse in commercial coverage signals high risk to carriers, resulting in significantly higher premiums when you reinstate. Don’t let a missed payment become a business-ending event.
- Set up autopay so coverage never lapses due to a missed payment — especially important for fleets with multiple renewal dates.
- Update your driver list regularly — unlisted drivers may not be covered if they're involved in an accident..
- Call us before you cancel if costs are the concern, we can shop for better rates before a gap in coverage occurs.
- Keep certificates of insurance on file many clients and job sites require proof of coverage before work can begin..