Commercial Auto Insurance | ZORN
- Home
- Business Insurance
- Commercial Auto Insurance | ZORN
Commercial Auto Insurance
Keep Your Vehicles—and Your Business—Protected
ZORN places and manages commercial auto insurance for Georgia businesses—HNOA, filings, fast COIs, and claims guidance with proactive renewals.
- Liability and physical damage tailored for business use (fleets, service trucks, deliveries)
- Add-ons: Hired & Non-Owned Auto (HNOA), rental reimbursement, roadside, cargo (where applicable)
- Fast certificates (COIs), help with filings, and lender/lessor requirements
- Local claims guidance and proactive renewal reviews
When your team is on the road, your insurance has to keep up. ZORN helps Southeast Georgia companies place the right commercial auto coverage—then backs it with fast COIs, clear claims support, and renewal planning that aims to reduce surprises.
Partner with ZORN For Your Commercial Auto Insurance Needs
Contractors & Trades
Delivery & Logistics
Sales & Service Fleets
Agriculture & Food Services
Main Street Businesses
ZORN Commercial Auto Insurance: What's Covered
Liability
Bodily injury and property damage for accidents involving business vehicles. We align limits to contracts and can handle additional insured, primary/non-contributory, and waiver of subrogation language when needed. State/federal filings (e.g., certain motor carrier requirements) can be coordinated if applicable.
Physical Damage
Collision and comprehensive for your owned units—including options for glass and towing. We’ll review deductibles and garaging to balance premium and risk.
Add-Ons & Endorsements
- Hired & Non-Owned Auto (HNOA) for employee or rented vehicle use
- Rental reimbursement and roadside assistance
- Cargo (where appropriate) and drive-other-car endorsements
Proof & Filings
COIs with fast turnaround, lienholder/lessor requirements, and documentation to satisfy customer contracts. We keep the paperwork tight so jobs aren’t delayed.
How Pricing Works — Reduce Surprises
Underwriters weigh driver MVRs, vehicle class and radius, loss history, garaging, and usage patterns. We’ll help you control cost with driver standards, telematics options, scheduled/any-auto decisions, and right-sized deductibles.
Proof You Can Trust
For more than six decades, Zorn has supported Georgia employers with dependable service and accountable follow-through. Clients value our responsiveness, clear communication, and the way we make complex requirements easier to manage.
“ZORN helped us uncover gaps that could have exposed us to everything from property losses and employee liabilities to income recovery and auto protection issues. Without ZORN’s risk management insight, we may not be in business today.”
Claims & Certificates, Without the Hassle
When you need to file a claim or get a certificate, you shouldn’t be left waiting or given the runaround. ZORN ensures you get the support you need when you need it most.
COIs
Same-day targets during business hours for standard requests
Claims Support
What to document, when to file, and escalation if needed
Renewals
60/45/30-day checkpoints so there are no last-minute surprises
Common Commercial Auto Insurance Questions
Yes. HNOA helps protect the business if employees cause accidents in vehicles the company doesn’t own.
Usually not sufficiently. Personal policies often exclude business use, leaving gaps for employers.
Yes. We coordinate limits, endorsements, and proof for lenders/lessors and update COIs as units change.
Many choose at least $1M liability, with an umbrella for contracts or higher-exposure work. We’ll size limits to your risk and customer requirements.
Get a Commercial Auto Review from ZORN
Request a quote or coverage review. You’ll get options, quick COIs, and clear next steps from a local team that follows through.