Commercial Auto Insurance
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//About Commercial auto insurance
Georgia's Business Vehicles, Gig Workers, and Contractors — The Coverage Gap Is Real
Personal auto insurance will not cover you when you are working. The moment you are using your vehicle for business purposes, your personal policy's coverage is at risk. The Foreman Agency provides commercial auto solutions for Georgia businesses, contractors, and Atlanta's gig economy workers.
The Coverage Gap Georgia Business Owners Don't Know About Until It's Too Late
Personal auto insurance policies have explicit business use exclusions. The moment you are driving to a job site, making a delivery, or transporting a client, your personal policy may not cover you. An accident occurs during work activity, the personal insurer investigates, determines the vehicle was in business use, and denies the claim. We see it happen to Georgia business owners regularly. Commercial auto insurance exists specifically to close this gap.
// FAQ
Commercial Insurance —
Frequently Asked Questions
Generally no. Personal auto policies contain explicit business use exclusions. If you are driving to a job site, making deliveries, transporting equipment, or carrying clients, your personal policy may deny a claim arising from that activity. Commercial auto insurance is specifically designed to cover vehicles used for business purposes.
Any Georgia business that uses vehicles as part of operations — contractors, landscapers, plumbers, electricians, HVAC companies, delivery services, real estate agents, and gig economy workers operating under a business entity. If a vehicle moves people, equipment, or goods as part of generating income, personal auto coverage is likely insufficient.
Rideshare and delivery platforms like Uber, Lyft, DoorDash, and Instacart provide some coverage during active trips, but there are significant gaps — particularly during the period when the app is on but no ride or delivery has been accepted. A rideshare endorsement added to your personal auto policy fills that gap affordably — typically $15 to $30 per month. We evaluate coverage for Georgia gig workers specifically.
Commercial auto covers vehicle-related incidents — accidents, property damage, and injury caused by or to your business vehicles. General liability covers broader business risks — slip and fall on your property, damage caused during a job, completed operations claims. Most Georgia small businesses need both. We assess which coverages apply to your specific business.
Yes. The Foreman Agency provides commercial auto coverage for Georgia businesses of all sizes — from single-vehicle sole proprietors to multi-vehicle fleets. We conduct a business needs assessment at no charge to determine the right coverage for your operation.
// Testimonial
What Georgia Clients Say
About The Foreman Agency
"A very friendly and professional firm. I especially enjoy working with Caprice....she is always very helpful."
Scott S
Happy Customer"Caprice is the best to work with.. her daughter is also wonderful to do business with"
Alice M
Happy Customer"Caprice Godfrey is the one reason I rated five stars. She is knowledgable, responsive and always friendly. Thanks Caprice for the years of excellent customer service."
Mark B
Happy Customer"Caprice along with everyone I’ve dealt with in the Dan Forman agency has been very professional."
Taylor H
Happy Customer"I have been working with ms CAPRICE for many years very nice and pleasant agent she listen very well and also try to work out what best for our needs. She differently deserve 5 star."
Sandra T
Happy Customer"Caprice was so helpful and so pleasant. I would recommend her to anyone who needs the best price on insurance."
Cindy F
Happy Customer"Caprice is the best. She goes above and beyond to provide excellent customer service."
Tonya W
Happy Customer// Testimonial
What Georgia Clients Say
About The Foreman Agency
"Caprice is the best. She goes above and beyond to provide excellent customer service."
"Caprice was so helpful and so pleasant. I would recommend her to anyone who needs the best price on insurance."
"I have been working with ms CAPRICE for many years very nice and pleasant agent she listen very well and also try to work out what best for our needs. She differently deserve 5 star."
"Caprice along with everyone I’ve dealt with in the Dan Forman agency has been very professional."
"Caprice Godfrey is the one reason I rated five stars. She is knowledgable, responsive and always friendly. Thanks Caprice for the years of excellent customer service."
"Caprice is the best to work with.. her daughter is also wonderful to do business with"
"A very friendly and professional firm. I especially enjoy working with Caprice....she is always very helpful."
