Coverage that protects your vehicles, employees, and operations on every trip.
If your business relies on vehicles for deliveries, service calls, or transporting materials, personal auto insurance isn’t enough. GIA Group, LLC provides tailored business auto insurance that meets state and contractual requirements while protecting against everyday road risks.
Coverage
Coverage type | Why it matters |
|---|---|
Auto Liability | Required by law to cover injury or damage caused to others |
Physical Damage | Collision and comprehensive coverage for company-owned vehicles |
Hired and Non-Owned Auto (HNOA) | Covers vehicles rented or owned by employees and used for business |
Medical Payments / Personal Injury Protection | Helps with injuries to drivers or passengers |
Uninsured / Underinsured Motorists | Protects your business if another driver causes an accident and lacks coverage |
General Liability (Optional) | For incidents unrelated to driving |
Add-ons Available | Rental reimbursement, towing, and gap coverage |
Quote
What's needed for a quote
To get started, please have:
Business name, structure, and EIN
Vehicle info (year, make, model, VIN)
How the vehicles are used
Number of drivers and their license details
Insurance history (if applicable)
Success Stories
Real results from GIA clients
Please note
Every trucking operation is different, and so are insurance premiums. At GIA Group, we work hard to find the best possible rates and coverage for each client. These stories highlight results we’re proud of, though individual outcomes may vary.
Pennsylvania
February 2026
Auto Hauler - Auto Liability, Cargo Liability, Physical Damage.
Price per truck
$9,700
California
February 2026
General Freight - Non-Trucking Liability, Physical Damage.
Price per truck
$4,100
Illinois
February 2026
Reefer - General Liability, Auto Liability, Cargo Liability, Physical Damage, Non-Owned Trailer Physical Damage.
Price per truck
$13,700
Cost explanation
What does Business Auto Insurance cost?
Prices vary by state, vehicle value, business type, and claims history. On average, business auto insurance ranges from $1,200 to $6,000 per vehicle per year.
These are estimates only—fill out our quick contact form to get started. We help you find smart, affordable protection—so you only pay for what you need.
Our advantages
Broad vehicle protection
covers company-owned cars, vans, and light-duty trucks used for business
Flexible coverage options
add physical damage, hired/non-owned auto, and more to match your operations
Compliance support
policies aligned with state and federal commercial insurance requirements
Trusted carriers
access to A-rated insurance providers offering reliable, long-term protection
Blog
Insights for every truck in your fleet
Explore the GIA Group, LLC blog for real-world tips on insuring semis, box trucks, dump trucks, tow trucks, and more. See how coverage and safety practices translate into better protection for every vehicle you run.
Mar 12, 2026
Fleet operations
Reefer Breakdown Coverage: Why It’s a Must for Refrigerated Freight
How reefer breakdown coverage helps carriers manage cargo loss when cooling systems fail.
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Feb 26, 2026
Fleet operations
Semi-Truck Insurance Cost: Monthly Breakdown and Key Factors
Understand semi-truck insurance cost and how monthly premiums are set.
Read more
Feb 13, 2026
Fleet operations
Semi Truck Insurance Coverage: Costs, Compliance, Strategy
Semi truck insurance coverage: costs, compliance, and key protections explained.
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Feb 5, 2026
Fleet operations
Truck Loading Safety Best Practices & Insurance Impact
Explore best practices for truck loading safety, it may lower risk and operational costs.
Read more
