Commercial Auto Insurance in Easley, SC

Protect Your Business on the Road

Keep Your Business Moving with the Right Commercial Auto Coverage

Here’s what commercial vehicle insurance in South Carolina typically covers:

01.

Liability Coverage

Covers bodily injury and property damage if your company vehicle is involved in an at-fault accident.

02.

Collision Coverage

Pays for repairs or replacement if your business vehicle is damaged in an accident.

03.

Comprehensive Coverage

Protects against theft, vandalism, fire, floods, and other non-collision damages.

04.

Uninsured/

Underinsured Motorist Coverage

Covers your costs if an at-fault driver has no insurance or not enough coverage.

05.

Medical Payments Coverage (MedPay)

Helps pay medical expenses for the driver and passengers in your company vehicle.

06.

Hired & Non-Owned Auto Insurance (HNOA)

Covers employees using personal vehicles for business or rented vehicles for work-related purposes.

Who Needs Commercial Auto Insurance?

If your business owns, leases, or regularly uses vehicles for work, a commercial auto insurance policy is a must. Some industries that typically require business vehicle insurance include:

Contractors & Construction

General contractors, plumbers, electricians, roofers, and HVAC companies.

Delivery & Transport Services

Couriers, freight companies, last-mile delivery services, and trucking businesses.

Landscapers & Lawn Care Services

Tree removal companies, landscapers, and lawn maintenance crews.

Food & Catering Businesses

Restaurants, food trucks, and catering services using company vehicles.

Real Estate & Sales Professionals

Agents and consultants using company-owned or leased vehicles for business travel.

Get the Right Commercial Auto Insurance for Your Business

Finding the right commercial auto insurance in South Carolina doesn’t have to be complicated. At Cornerstone Insurance, we work for you—not the insurance companies—so you get the best coverage at the best price. Whether you need a policy for a single work truck or an entire fleet, we customize coverage that protects your business, employees, and vehicles while keeping costs low.

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Frequently Asked Questions

  • Do I really need commercial auto insurance?

    If your business owns, leases, or regularly uses vehicles for work, a personal auto policy won’t cover you in the event of an accident. A commercial policy ensures your business is protected.

  • Can I use personal auto insurance for my business vehicle?

    No. Personal auto insurance doesn’t cover business-related accidents. If you use your car for work beyond commuting, you likely need commercial vehicle insurance.

  • How can I get affordable commercial auto insurance in South Carolina?

    The best way to find affordable business auto insurance is by comparing multiple insurance providers and bundling policies when possible. As an independent insurance agency, we do the shopping for you!

  • What’s the difference between hired & non-owned auto insurance and commercial auto insurance?

    Hired & Non-Owned Auto Insurance (HNOA) covers employees using personal or rented vehicles for work, while commercial auto insurance covers vehicles owned or leased by the business. Some businesses need both types of coverage.

  • What does commercial auto insurance not cover?

    It typically does not cover personal use of business vehicles, employee personal vehicles (unless covered under HNOA), or intentional damage. We’ll help you understand exactly what’s covered under your policy.

Still have questions? We're happy to help!