Business Auto Insurance in North Carolina

Business auto insurance protects your company’s vehicles, employees, and operations when they’re on the move. Whether you run deliveries in Charlotte, service calls in Hickory, or transport goods across the Carolinas, commercial auto coverage is essential for managing risk, meeting legal requirements, and avoiding costly claims. At The Catawba River Insurance Group, we help North Carolina businesses get the protection they need—fast, affordable, and tailored to their industry.

Why You Need Business Auto Insurance

If your business owns, rents, or uses vehicles for work—even occasionally—standard auto insurance isn’t enough. Business auto insurance is designed to cover work-related driving risks, from fender benders to major liability claims.

  • Meets North Carolina’s commercial vehicle insurance requirements
  • Covers cars, vans, trucks, and specialty work vehicles
  • Protects employees driving for business purposes
  • Shields your company from lawsuits, repairs, and liability

Commercial Auto Coverage for Every Industry

We serve businesses across dozens of industries in Western North Carolina and beyond. Whether you're an HVAC contractor, landscaper, courier, or regional distributor, our policies are built around your business model.

  • Individual commercial vehicle policies
  • Fleet insurance for multiple vehicles
  • Policies for specialty trades, delivery services, and mobile businesses
  • Coverage for rural and metro driving zones across NC and SC

Smart Business Auto Policies Across Hickory, Charlotte, Blowing Rock, and Beyond

Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond

Protection That Keeps Your Business Moving

Coverage for Fleets of All Sizes
From a single delivery van to a multi-vehicle operation, we match coverage to your commercial driving needs.

Liability Safeguards for the Road Ahead
Our policies shield your business from the financial fallout of auto-related claims, property damage, and injuries.

Policy Options for Every Type of Vehicle
Box trucks, service vans, sedans—we help you cover the exact vehicles your team depends on.

End-to-End Claim Support
Accidents happen. We help you respond quickly, recover fully, and keep your operations on track.

Your business depends on reliable transportation—so should your insurance. We provide business auto coverage that delivers when and where you need it most.

FAQs

  • Do I need commercial auto insurance if I use my car for business?

    Yes—personal policies don’t cover business use. A business auto or HNOA policy is required.

  • What qualifies as a commercial vehicle in NC?

    Any vehicle used for business purposes, including pickups, delivery vans, service vehicles, or employee-owned cars used for work.

  • Can I cover trailers or custom equipment?

    Yes. We can help insure trailers, mounted equipment, and modified vehicles.

  • Are fleet policies available for small businesses?

    Absolutely. Whether you have two vans or twenty vehicles, we’ll build a cost-effective fleet policy.

Protect Your Business fleet with The CRIG