Commercial
Auto Insurance

ATI offers comprehensive Commercial Auto Insurance policies to Georgia businesses at the State's most affordable prices.

ATI insurance agents bilingual spanish english chinese korean speaking

Why Choose ATI Commercial Auto Insurance

When you’re using vehicles for commercial purposes, you must have a commercial auto insurance policy to cover your commercial drivers, your vehicle, and others on the road. If you’re using your vehicle for business and get into an accident, then a personal auto insurance policy will not cover the damages. You can purchase commercial auto insurance for a single vehicle or for a fleet.

Commercial auto insurance plans differ from personal auto insurance policies by offering higher coverage limits, because commercial vehicles are exposed to higher risk of loss. Furthermore, because many different types of vehicles can be classified as a commercial vehicle, many commercial auto insurance plans offer customizable policies to suit your needs. For example, semi-trucks transporting oil need different coverage than a tour bus.

Get Quote

What types of vehicles qualify as commercial vehicles?

A commercial vehicle is any vehicle used for business purposes, and can include any of the following:

These are sometimes used to transport clients or even small materials. Even pizza delivery vehicles qualify as commercial vehicles under these circumstances.

Service utility trucks, semi-trucks, tractor trailers, and even food trucks.

If you use a trailer for towing/transporting large cargo (including towing other vehicles) for business, then the trailer and contents of the trailer would qualify under a commercial insurance policy.

Get Quote
ATI commercial auto insurance vans trucks trailers atlanta georgia
ATI commercial auto insurance vans trucks trailers atlanta georgia

What types of vehicles qualify as commercial vehicles?

A commercial vehicle is any vehicle used for business purposes, and can include any of the following:

These are sometimes used to transport clients or even small materials. Even pizza delivery vehicles qualify as commercial vehicles under these circumstances.

Service utility trucks, semi-trucks, tractor trailers, and even food trucks.

If you use a trailer for towing/transporting large cargo (including towing other vehicles) for business, then the trailer and contents of the trailer would qualify under a commercial insurance policy.

Get Quote
commercial collision insurance auto vehicle atlanta georgia

Types of Coverage Offered

The basic coverage you’ll see in a commercial auto insurance policy are similar to a personal auto insurance policy:

These are sometimes used to transport clients or even small materials. Even pizza delivery vehicles qualify as commercial vehicles under these circumstances.

covers medical expenses and lost wages if you or one of your drivers is injured in an accident, regardless of fault.

covers damages and any related costs to insured vehicle in an accident, regardless of fault. This includes accidents that are not with other vehicles, such as hitting a tree or light pole.

covers damages and any related costs to insured vehicle in any event other than a collision. These events include weather damage, an accident involving an animal, theft, fire, and vandalism.

covers medical expenses for injuries sustained in an accident. Unlike PIP, medical payments coverage does not pay out lost wages if you/your drivers are out of work because of injuries.

covers your commercial vehicles if another driver who was at fault does not have liability insurance or enough coverage to pay for the damage. It should be noted that protection under this coverage varies by state. In some states, uninsured/underinsured motorist coverage only covers bodily injury whereas in others, it also covers property damage. Check with your state to make sure.

Get Quote

Additional Coverages

As mentioned above, commercial auto insurance policies offer special coverages for different types of commercial vehicles. These coverages can include:

  • Non-owned vehicles: which protects vehicles rented or borrowed for business purposes.
  • Loading and unloading liability: which covers injuries or damages sustained during the loading process.
  • Rental Reimbursement: which covers the cost of renting a vehicle after an accident, if needed.
  • Towing and labors costs: which covers the cost of towing a damaged vehicle.
  • Cargo protection: which protects the cost of cargo being transported.
  • Liability protection for garage keepers: which protects your vehicles when stored in a facility.
Get Quote
truck towing commercial auto insurance
truck towing commercial auto insurance

Additional Coverages

As mentioned above, commercial auto insurance policies offer special coverages for different types of commercial vehicles. These coverages can include:

  • Non-owned vehicles: which protects vehicles rented or borrowed for business purposes.
  • Loading and unloading liability: which covers injuries or damages sustained during the loading process.
  • Rental Reimbursement: which covers the cost of renting a vehicle after an accident, if needed.
  • Towing and labors costs: which covers the cost of towing a damaged vehicle.
  • Cargo protection: which protects the cost of cargo being transported.
  • Liability protection for garage keepers: which protects your vehicles when stored in a facility.
Get Quote