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Commercial Auto Insurance in South Carolina

If your business relies on vehicles for daily operations, commercial auto insurance is essential for protecting your assets, employees, and business from financial loss due to accidents. Whether you operate a fleet of delivery vans, a single service vehicle, or company cars, having the right coverage ensures you're protected from liability, property damage, and unexpected repair costs.


At Hutson-Etherredge Companies, we provide options for commercial auto insurance solutions tailored to meet the needs of South Carolina businesses, help with compliance and financial security.

What Does Commercial Auto Insurance Cover? 

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Liability Coverage

Pays for injuries or property damage if your company vehicle is involved in an accident and your business is found at fault.

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Collision Coverage

Covers repair or other costs if a company vehicle is damaged in a collision, regardless of fault.

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Comprehensive Coverage

Protects against non-collision incidents, such as theft, vandalism, fire, or weather-related damage.

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Uninsured/Underinsured Motorist Protection

Provides coverage if a company vehicle is hit by a driver with insufficient or no insurance.

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Medical Payments Coverage

Helps pay for medical expenses for the driver and passengers after an accident.

Why Your Business Needs Commercial Auto Insurance

Legal & Financial Protection

Many states, including South Carolina, require businesses to carry commercial auto insurance for vehicles used in company operations.

Employee & Asset Safety

Coverage extends liability for employees driving company vehicles, ensuring their protection from liability on the road.

Industry-Specific Coverage

Policies can be specialized for contractors, delivery services, rideshare companies, and service professionals.

Common Questions About Commercial Auto Insurance in South Carolina

  • Is commercial auto insurance required in South Carolina?

    Yes. South Carolina law requires businesses to carry a minimum level of commercial auto insurance for vehicles used for business purposes.

  • What types of businesses need commercial auto insurance?

    Any business that owns, leases, or uses vehicles for work purposes should have commercial auto coverage, including contractors, delivery services, real estate professionals, landscapers, and rideshare drivers.

  • Can I use my personal auto insurance for my business vehicle?

    No. Personal auto insurance does not cover vehicles used for business purposes. If you use your vehicle for work, you need a commercial auto policy to be fully protected.

Get a Free Commercial Auto Insurance Quote

Ensure your business vehicles are properly insured and legally compliant with a commercial auto policy from Hutson-Etherredge Companies.


Call us today at  803-649-5141 or click below to request a free quote  online.