A personal auto policy stops paying the moment a vehicle is working for a business. We write commercial auto for vans, trucks and fleets across the NY metro area, and we'll walk you through which coverages your operation actually needs before you buy.
Personal policies exclude business use and can deny claims on it. Commercial auto fills that gap. Here's each piece in plain English.
Pays for injuries and property damage your business vehicles cause to others. NY sets minimum limits, but for commercial use we recommend going higher.
Repairs or replaces your commercial vehicle after a crash, regardless of fault. Your lender requires it if the vehicle is financed or leased.
The non-collision damage to your commercial vehicles: theft, vandalism, fire, weather, or hitting an animal.
Protects your driver and your business when the vehicle is hit by an uninsured or underinsured driver.
Pays medical expenses for your driver and passengers after an accident, regardless of fault.
Optional coverage for tools, equipment, or goods being transported in your commercial vehicle.
Answered the way we'd answer them on the phone.
Any vehicle used primarily for business — deliveries, client visits, hauling equipment, or transporting employees — should have a commercial auto policy. Personal policies exclude business use and can deny claims.
Yes — we can write fleet policies covering multiple vehicles of different types under a single policy, often at a better rate than insuring each separately.
You need a non-owned auto liability endorsement or policy. This covers your business liability when employees use personal vehicles for work purposes.
Standard commercial auto typically doesn't cover tools and equipment. You need an inland marine or tools & equipment policy for that — which we can bundle with your commercial auto.
We quote single work vehicles and full fleets. Send the basics through the form and a licensed NY agent will shop it across 30+ carriers for the best rate we can find.