Commercial Auto Insurance
Keep Your Business Fleet Protected on Every Road
From a single company car to a full commercial fleet, TrueGuard shops top carriers to find the right coverage at the right price — so your business never misses a mile.
Coverage Options
Everything Your Business Vehicles Need
Build a commercial auto policy that fits your fleet — whether you have one company car or fifty work trucks.
Commercial Liability
Covers bodily injury and property damage caused by your business vehicle to third parties. Essential for every commercial vehicle.
Collision Coverage
Pays to repair or replace your business vehicle after an accident, regardless of who is at fault.
Comprehensive Coverage
Protects your business vehicles from theft, vandalism, weather events, and other non-collision damage.
Uninsured Motorist
Covers your vehicle and employees if they're hit by an uninsured or underinsured driver.
Hired & Non-Owned Auto
Extends coverage to rented vehicles and employee personal vehicles used for business purposes.
Fleet Coverage
One comprehensive policy covering all your company vehicles with simplified billing and management.
Medical Payments
Covers medical expenses for your employees and passengers following a covered accident.
Roadside Assistance
Keep your fleet moving with 24/7 emergency roadside assistance, towing, and breakdown support.
Vehicle Types
We Cover Every Vehicle Your Business Relies On
Whether you operate a single service vehicle or manage a large mixed fleet across the Piedmont Triad, we have the right policy structure to keep your operations protected and moving.
Hired & Non-Owned Auto
If your employees use their own cars or rent vehicles for business, you still face liability. Hired & non-owned auto coverage fills this critical gap.
Fleet Discounts Available
Insuring multiple vehicles under one policy typically results in significant savings compared to individual policies. We'll structure the best arrangement for your fleet size.
Same-Day Certificates of Insurance
Need proof of coverage fast for a contract or job site? We issue Certificates of Insurance (COIs) quickly — often within the hour.
Why NC Businesses Choose TrueGuard for Commercial Auto
We understand the stakes when one of your vehicles is in an accident. Here's how we protect your livelihood.
Multi-Carrier Shopping
We compare rates from 12+ top commercial carriers so you get the best coverage at the lowest price.
Industry-Specific Policies
Whether you're in construction, delivery, healthcare, or retail — we tailor coverage to your specific industry risk.
Licensed NC Agents
Our locally licensed agents know North Carolina commercial vehicle laws and coverage requirements inside and out.
Fast Claims Advocacy
When an accident happens, we advocate on your behalf to get your vehicle repaired and back on the road fast.
Flexible Payment Options
Monthly, quarterly, or annual billing options to keep your cash flow flexible while staying covered.
Easy Fleet Management
Add or remove vehicles, update drivers, and manage your entire fleet under a single, streamlined policy.
Commercial Auto vs. Hired & Non-Owned Auto (HNOA)
Do you need a commercial auto policy, or just an HNOA endorsement? It depends on who owns the vehicles.
Commercial Auto Policy
For Company-Owned Vehicles
Required if the vehicles are titled in the business name. It covers liability for damage caused to others, as well as physical damage (collision/comprehensive) to the vehicles themselves.
Hired & Non-Owned Auto (HNOA)
For Employee-Owned or Rented Vehicles
Protects the business (liability only) if an employee gets into an accident while driving their own personal vehicle for work errands, or if you rent a vehicle for business use.
Managing a Fleet?
If your business operates 5 or more vehicles, you may qualify for Fleet Insurance pricing. This simplifies your administration and often lowers your per-vehicle cost.
Any Auto Coverage
Instead of scheduling specific vehicles, "Symbol 1" (Any Auto) coverage protects any vehicle used for your business—owned, hired, or non-owned. This prevents coverage gaps if you rent a truck or buy a new vehicle and forget to add it immediately.
Blanket Fleet Coverage
One renewal date, one bill, and flexible coverage that scales as you buy and sell vehicles throughout the year.
How to Lower Commercial Auto Rates
MVR Checks: Pull Motor Vehicle Records on all drivers before hiring them. One bad driving record can spike the rate for the entire fleet.
Telematics: Install GPS/telematics tracking devices to monitor speed and hard braking. Many carriers offer significant discounts for monitored fleets.
Higher Deductibles: If your business has the cash reserves, raising your collision/comprehensive deductibles from $500 to $1,000 or $2,500 can lower your premium.
Frequently Asked Questions
Ready to Protect Your Business Vehicles?
Get a free commercial auto quote in minutes. We will shop the top carriers and find the right coverage for your fleet, your industry, and your budget.
Get Your Free QuoteNo obligation • Fast approval • Same-day COIs available
Popular Coverages
Explore our most requested insurance solutions to complete your protection.
Auto Insurance
Comprehensive coverage for your vehicle.
Home Insurance
Protect your home and belongings.
Commercial Insurance
Complete protection for your business.
General Liability
Essential third-party business protection.
Business Owners Policy
Bundled liability and property coverage.
Workers Comp
Coverage for workplace injuries.
Umbrella Insurance
Extra liability protection beyond limits.
Why TrueGuard Insurance
The Independent Advantage
As an independent insurance agency based in Winston-Salem, NC, TrueGuard Insurance serves individuals, families, and businesses with personalized coverage and honest guidance — across multiple states and growing.
Independent Agency
We represent multiple A-rated carriers and shop the market on your behalf — so you get the best coverage at the most competitive rate, not just what one company offers.
15+ Years of Experience
Matt Nelson brings over 15 years of hands-on experience in commercial trucking, construction equipment, finance, and insurance — giving you guidance backed by real industry knowledge.
Local North Carolina Expertise
Based in Winston-Salem and serving clients throughout the Piedmont Triad and across North Carolina, we understand the unique risks and regulations that affect our region.
Personalized Solutions
No two clients are the same. We take the time to understand your specific situation and build a coverage program tailored to your needs — not a one-size-fits-all policy.
Claims Guidance & Support
When a claim happens, we're in your corner. We guide you through the process step by step so you're never left navigating a difficult situation alone.
Responsive Service
We prioritize fast turnaround on quotes, certificates of insurance, and policy changes. You shouldn't have to chase your agent — we stay ahead of your needs.
Specialized Programs
We offer access to specialized insurance programs for trucking, construction equipment, dealer programs, and more — markets that most standard agencies simply cannot access.
Ongoing Policy Reviews
Insurance needs change. We proactively review your policies to identify coverage gaps, eliminate unnecessary costs, and ensure your program keeps pace with your life and business.
