Winston-Salem Commercial Auto Insurance

Commercial auto insurance covers vehicles owned by your business and used for business operations — from a single contractor’s pickup to a full delivery fleet. It provides liability, collision, comprehensive, and other coverages structured specifically for business vehicle use.

Using a personal auto policy for business purposes — deliveries, client visits, or hauling tools and equipment — typically voids your personal coverage at the moment of an accident. The gap between personal and commercial auto is one of the most common and costly coverage mistakes NC small businesses make.

As an independent agency, ALLCHOICE Insurance compares commercial auto coverage across multiple top-rated carriers to find the right fit for your vehicles, your drivers, your DOT status, and your industry.

• Your vehicle type, weight, and use — a passenger car used for client visits costs less than a heavy dump truck or box truck used for deliveries
• Your drivers’ records — all listed drivers’ MVRs affect commercial auto pricing; recent violations or accidents increase premium
• Your radius of operation — local operations cost less than long-haul or regional fleets with broader exposure
• Your cargo type — hazardous materials, high-value cargo, or regulated freight require higher limits and specific endorsements
• Fleet size — larger fleets may qualify for fleet rating programs that reduce per-vehicle cost with volume

• IIANC Agent of the Year — 2022
• IIANC Chairman’s Citation — 2023
• 70+ Years of Combined Insurance Experience
• Additional Industry Accolades

• What is the difference between commercial auto and personal auto?
  Commercial auto is underwritten for business use — higher liability limits, coverage for multiple drivers, cargo, fleet management, and DOT compliance. Personal auto is underwritten for personal travel and explicitly excludes regular business use. If you use a vehicle primarily for business, the personal policy is unlikely to respond to a claim.
• Does commercial auto cover rental vehicles?
  Hired auto coverage, typically added as an endorsement, covers rental and borrowed vehicles used for business. Without it, a rented cargo van used for a business delivery has no commercial coverage — and the rental company’s damage waiver does not substitute for liability protection.
• Can employees drive company vehicles for personal use?
  It depends on your policy. Some commercial auto policies permit personal use by listed employees; others exclude it. Clarify with your ALLCHOICE advisor before allowing employees to take company vehicles home or use them outside business hours.
• What is an MCS-90 endorsement?
  The MCS-90 is a federal filing required for interstate motor carriers subject to FMCSA regulations. It ensures that at least the federally-required minimum liability limit is available to injured third parties, even if the specific accident might otherwise be excluded from the policy. It does not add coverage for the carrier — it protects the public.