Commercial Auto Insurance for Company Vehicles & Fleets in Greensboro, NC
Built for the Way Triad Businesses Drive
Keep jobs moving with the right coverage and quick documents
If your crews rely on service vans, sales cars, or a small fleet, the right coverage helps protect vehicles and satisfy contract requirements. Navigate Agency compares carriers, reviews limits and deductibles, and coordinates COIs so you’re ready for projects across the Triad. Whether you’re based in Greensboro, operate in Winston-Salem, or manage crews in High Point, we’ll align your auto protection with your broader Business Insurance program.
What a Strong Policy Can Include
Liability, physical damage, and options that keep you rolling
Liability
Covers bodily injury and property damage to others if a driver is at fault.
Comprehensive/Collision
Helps with repairs or replacement after theft, weather, vandalism, animal strikes, or a crash.
Medical Payments/UM/UIM
Provides added protection for your drivers and passengers after an incident.
Rental & Towing
Keeps your business moving while a vehicle is in the shop.
We’ll tailor limits and deductibles to match your routes, vehicle types, and client requirements—and we’ll walk you through carrier options so you can choose with confidence. Contact us today to compare coverage and request a commercial auto quote.
Hired and Non-Owned Auto (HNOA)
Coverage when employees drive their own cars for work
Even if you don’t own vehicles, errands and site visits can create exposure. Hired/Non-Owned Auto Insurance helps when employees use personal cars or you rent a van for deliveries. We’ll explain when HNOA applies, how it pairs with your GL, and what your contracts expect.
Service Vans, Sales Cars, and Small Fleets
Right-sized coverage for the vehicles you rely on
From HVAC trucks and landscaping pickups to account-manager sedans, we’ll map symbols, drivers, and garaging locations—then review telematics programs some carriers offer for potential discounts.
Adding Vehicles, Drivers, and Trailers
Changes happen—we make updates without the paperwork lag
Need to add vehicles mid-term? Send the VIN, driver details, and effective date—we’ll handle endorsements and provide updated certificates. Tools and trailers are covered differently; we’ll align auto, inland marine, and property so gear and transported equipment are addressed the right way.
Contracts, COIs, and Endorsements
Paperwork that matches job specs the first time
Many agreements call for additional insured, primary/non-contributory, and waiver of subrogation language. Tell us what the GC or property manager wants—Navigate Agency will align endorsements and issue certificate of insurance documents quickly.
Round Out Your Business Program
Commercial Auto is one piece of the plan. Most companies also need General Liability, Workers’ Compensation, and Commercial Property/BOP to address premises, people, and equipment. We’ll connect policies so limits and endorsements work together for your bids and leases.
Serving Businesses Across the Carolinas
Local routes, local support
Whether your fleet is garaged in Greensboro, you’re meeting clients in Winston-Salem, or crews roll out from High Point, Navigate Agency provides the quotes, endorsements, and documents you need—on time and without the back-and-forth. Beyond the Triad, we also support businesses throughout North Carolina, Virginia, and South Carolina with commercial auto coverage tailored to their operations. Let’s talk about your vehicles and build a program that fits your business.
FAQs on Business Coverage Across the Triad
Do I need commercial plates?
Not always—it depends on vehicle class and how it’s used. We’ll verify requirements and confirm what your contracts expect.
Are employees covered in personal cars?
Personal auto policies often exclude business use. Consider HNOA for errands, deliveries, and client visits.
Can I add vehicles mid-term?
Yes. Send the VIN and driver information— we’ll update the policy and issue revised COIs.
What about tools and trailers?
Tools, cargo, and trailers are typically covered differently. We’ll map auto, inland marine, and property so equipment is addressed correctly.
Are telematics discounts available?
Some carriers offer fleet telematics and safety programs that may impact pricing. We’ll compare options and outline requirements.
