{"id":6541,"date":"2023-01-24T23:57:57","date_gmt":"2023-01-25T05:57:57","guid":{"rendered":"https:\/\/www.peachstateinsurance.com\/blog\/who-is-insured-under-a-commercial-auto-policy\/"},"modified":"2026-03-10T12:29:50","modified_gmt":"2026-03-10T17:29:50","slug":"who-is-insured-under-a-commercial-auto-policy","status":"publish","type":"post","link":"https:\/\/www.peachstateinsurance.com\/es\/sin-categorizar\/who-is-insured-under-a-commercial-auto-policy\/","title":{"rendered":"Who Is Insured Under a Commercial Auto Policy?"},"content":{"rendered":"<p><a href=\"\/business-auto-insurance\">Commercial auto insurance<\/a> provides essential financial protection for insured companies. Understanding whether a driver is covered under an organization&rsquo;s policy is crucial.&nbsp;&nbsp;<\/p>\n<p>The insured entity is the business that owns and operates the vehicle, but other individuals may also be covered under a commercial auto policy. While it&rsquo;s essential to check the policy documents to confirm who is insured under a policy, in general, commercial auto policies may cover the following:&nbsp;<br \/>\n<img decoding=\"async\" data-src=\"\/img\/~www.peachstateinsurance.net\/Blog_Images\/commercial%20auto%20jan.jpg\" alt=\"white commercial van\" style=\"float: right; margin-top: 10px; margin-bottom: 10px; margin-left: 10px;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/><\/p>\n<ul>\n<li type=\"disc\"><strong>Named drivers <\/strong>while behind the wheel of a covered vehicle&nbsp; <\/li>\n<li type=\"disc\"><strong>Business owners<\/strong> while driving the insured vehicle for business purposes&nbsp; <\/li>\n<li type=\"disc\"><strong>Employees <\/strong>of the business while driving the insured vehicle for business purposes <\/li>\n<li type=\"disc\"><strong>Volunteers <\/strong>driving the insured vehicle for the benefit of the business&nbsp;&nbsp;<\/li>\n<\/ul>\n<p>\n<strong>How to Find Out Who Is Insured&nbsp;<\/strong><br \/>\nThe Business Auto Coverage Form included with the policy documents provides details about who is insured under a commercial auto policy. Check section II for a paragraph called &ldquo;Who Is an Insured.&rdquo; Three main categories of drivers may be insured, including the following:&nbsp;<\/p>\n<ul>\n<li type=\"disc\"><strong>You<\/strong>, the named insured or company listed on the policy&nbsp; <\/li>\n<li type=\"disc\"><strong>Permissive users<\/strong>, which is anyone driving a covered vehicle with permission from the insured person or company&nbsp; <\/li>\n<li type=\"disc\"><strong>Omnibus insureds<\/strong>, which is anyone who may be held vicariously liable for an accident caused by a permissive user or named insured&nbsp;&nbsp;<\/li>\n<\/ul>\n<p>\nContact your agent immediately if you have concerns about who is insured under your commercial auto insurance policy.&nbsp;&nbsp;<br \/>\n<strong><br \/>\nIs Commercial Auto Insurance Required in Georgia?&nbsp;<\/strong><br \/>\nCommercial auto insurance is required for Georgia companies that use vehicles in everyday business. Georgia requires minimum liability coverage to help pay for a company&rsquo;s legal liability after an at-fault accident.&nbsp;&nbsp;<\/p>\n<p>In addition to liability coverage, your agent may recommend that you purchase additional coverage to help protect your company&rsquo;s vehicles, including the following:&nbsp;<\/p>\n<ul>\n<li type=\"disc\"><strong>Collision and comprehensive insurance<\/strong> help pay to repair or replace a company vehicle after a covered accident or incident.&nbsp; <\/li>\n<li type=\"disc\"><strong>Uninsured\/underinsured motorist coverage<\/strong> helps pay for damages to a company vehicle after an accident with a driver who doesn&rsquo;t have proper liability insurance coverage.&nbsp; <\/li>\n<li type=\"disc\"><strong>Hired and non-owned auto (HNOA) <\/strong>insurance to help provide coverage for vehicles used for business purposes that the company does not own, including rented or borrowed vehicles.&nbsp;&nbsp;<\/li>\n<\/ul>\n<p>\nDepending on your situation, your agent may also recommend that you add the following policies and endorsements:&nbsp;<\/p>\n<ul>\n<li type=\"disc\">Medical payments (MedPay) coverage or PIP <\/li>\n<li type=\"disc\">Umbrella insurance <\/li>\n<li type=\"disc\">Replacement cost vehicle coverage <\/li>\n<li type=\"disc\">Rental car reimbursement <\/li>\n<li type=\"disc\">Roadside assistance <\/li>\n<li type=\"disc\">Inland marine insurance&nbsp;<\/li>\n<\/ul>\n<p>\n<br \/>\n<strong>How to Get Commercial Auto Insurance&nbsp;<\/strong><br \/>\nCommercial auto insurance is essential to many Georgia companies&rsquo; business insurance plans. The agents at Peachstate Insurance serving the Atlanta, Georgia, area are ready to help you build a customized insurance plan.&nbsp;&nbsp;<\/p>\n<p>&nbsp;&nbsp;<\/p>\n<p>\n<em>This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.&nbsp;<\/em><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.peachstateinsurance.net\/blog\/who-is-insured-under-a-commercial-auto-policy.aspx\"\n  },\n  \"headline\": \"Who Is Insured Under a Commercial Auto Policy?\",\n  \"description\": \"Commercial auto insurance provides essential financial protection for insured companies. Understanding whether a driver is covered under an organization&rsquo;s policy is crucial.\",\n  \"image\": \"https:\/\/www.peachstateinsurance.net\/img\/~www.peachstateinsurance.net\/Blog_Images\/commercial%20auto%20jan.jpg\",  \n  \"author\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Peachstate Insurance\",\n    \"url\": \"https:\/\/www.peachstateinsurance.net\/\"\n  },  \n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"\"\n    }\n  },\n  \"datePublished\": \"2023-01-24\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p><img data-src='http:\/\/perbrepea0c.qa.insurancewebsitebuilder.com\/img\/~www.peachstateinsurance.net\/Blog_Images\/commercial%20auto%20jan.jpg' align='left' src='data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==' class='lazyload' \/>Commercial auto insurance provides essential financial protection for insured companies. Understanding whether a driver is covered under an organization&rsquo;s policy is crucial.&nbsp;&nbsp;  The insured entity is the business that owns and operates&#8230;<\/p>\n","protected":false},"author":69,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"<img src='http:\/\/perbrepea0c.qa.insurancewebsitebuilder.com\/img\/~www.peachstateinsurance.net\/Blog_Images\/commercial%20auto%20jan.jpg' align='left' \/>Commercial auto insurance provides essential financial protection for insured companies. Understanding whether a driver is covered under an organization&rsquo;s policy is crucial.&nbsp;&nbsp;  The insured entity is the business that owns and operates...","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[],"tags":[18],"class_list":["post-6541","post","type-post","status-publish","format-standard","hentry","tag-commercial-auto-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6541","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=6541"}],"version-history":[{"count":0,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6541\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=6541"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=6541"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.peachstateinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=6541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}