SC Business Auto Insurance
Protect Your Vehicles. Protect Your Business.
Whether you run a large fleet of vehicles or just use your personal truck for job site deliveries, Business Auto Insurance is essential to protecting your business operations in South Carolina. At The Ferguson Insurance Team, we help companies across Charleston, Walterboro, and beyond get properly insured—no matter the size of their operation.
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What Is Business Auto Insurance?
Business Auto Insurance, also called Commercial Auto Insurance, covers vehicles used for work-related purposes. This includes everything from delivery vans and box trucks to personal vehicles used for hauling equipment or visiting clients.
If you’re using a vehicle for business, a personal auto policy may not cover you in the event of an accident. That’s why it’s critical to have the right policy in place.
Who Needs Business Auto Insurance?
You need business auto insurance if:
- You own or lease company vehicles
- You or your employees drive as part of your job
- You transport tools, materials, or equipment to job sites
- You deliver goods or products
- Your personal vehicle is titled to your business or used regularly for work
Example:
If you’re a contractor hauling materials to a job site using your personal truck, and it’s insured on a personal policy, your claim could be denied if the insurance company finds it was being used for business.
Don’t take the risk—get properly insured with a commercial auto policy.
What Does Business Auto Insurance Cover?
A typical business auto policy can include:
- Liability Coverage – Covers damage to other people or property if you’re at fault in an accident
- Collision Coverage – Pays for damage to your own vehicle after a collision
- Comprehensive Coverage – Covers damage from theft, weather, vandalism, or animals
- Medical Payments or Personal Injury Protection (PIP) – Covers medical costs for you and your passengers
- Uninsured/Underinsured Motorist – Protects you if you’re hit by someone with insufficient coverage
- Hired and Non-Owned Auto – Covers vehicles you rent or employees’ personal vehicles used for work
Business Auto Insurance for Fleets and Owner-Operators
Whether you manage a fleet of 50 vehicles or are a single-owner business using your pickup for jobs, we can help you get the right coverage at the right price.
We specialize in:
- Contractors & trades (plumbers, electricians, HVAC)
- Delivery businesses
- Landscapers & lawn services
- Real estate and sales professionals
- Nonprofits and churches
- Any business using cars, trucks, or vans for work
Why The Ferguson Insurance Team?
We’re a local, independent insurance agency serving Charleston, Walterboro, and communities across South Carolina. We understand the risks of working in the field, driving through tight jobsite parking, or dealing with busy Lowcountry roads.
With us, you get:
- Quotes from multiple top-rated carriers
- Guidance on what you actually need—and what you don’t
- Local service with fast response times
- Help handling claims and fleet changes as your business grows
Get a Quote Today
Whether you’re insuring a single vehicle or an entire fleet, our team makes the process simple, fast, and affordable. We’ll make sure you’re properly covered, so you can focus on the road ahead.
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Frequently Asked Questions
Can I switch insurance before my policy's renewal?
Yes! You do not have to wait until the expiration date of a policy to change to a different carrier. If you’re unsure about the process of changing your auto insurance, our agents can walk you through that process, step-by-step.
Do you offer coverage bundles?
We do! Many of the insurance companies we represent offer savings and other benefits for having multiple policies with them. We can also create a customized bundle within our agency with coverage from different companies to best fit your needs. Many of those companies still offer a discount for having multiple policies with our agency, even if they are not all with the same company.
I'm moving to South Carolina, can you help me with my insurance needs?
We help many new South Carolina residents take care of their insurance needs, both auto insurance, and home or renters, when they first move to our state. Our agents can walk you through the process obtaining car and property insurance that satisfies the specific requirements of the state, your lender or your property manager.
I'm not sure what I need, can you help?
Absolutely! We know that most people don’t spend all day thinking about insurance the way we do! We’re here to help by providing you with education and listening to your unique needs so we can better understand you and what insurance solutions would best fit your specific circumstances.
My car insurance keeps going up, what can I do?
It’s true that auto insurance rates have risen across the board in the last few years due to a variety of factors, like increased cost of both parts and labor, as well as increased loss frequency and even the increased costs of reinsurance for carriers. The good news is you have options. If your rates have gone up, it may be a good idea to chat with a local agent and see if there are other options that are more affordable.
What is "full coverage"?
Great question! Contrary to popular belief, “full coverage” is not an insurance term, and agents don’t typically use it, because it can mean many things to different people. The most common definition though, is usually an auto policy that has both collision and comprehensive (also called other-than-collision) coverage. However, even a policy with these coverages may not “fully” cover you, depending on the circumstances. Coverages like towing and roadside assistance, Gap insurance, and medical payments are just a few options that might not be included on a policy that has collision and comprehensive coverage. Instead of using generic phrases like “full coverage”, we prefer to work with our clients to discuss their needs, and explain thoroughly exactly what their policy does or does not cover.
Other Insurance You May Need
General Liability
General Liability coverage is essential for any business. Get local expertise with us.
Workers Comp
Workers’ Compensation coverage is required by law, and protects you and your team.
Cyber
Every business faces cyber risk, from ransomware to invoice manipulation and more.
Don’t DIY Your Insurance. Experience The Difference of Local Expertise Today.
Contact Us
Have a Question? Need a Quote? Get in touch with our team today.