How Important Commercial Auto Insurance

Commercial Auto Insurance for Small Business

Get a fast, easy online estimate of how much you can save with our Commercial Auto policy! You'll get an instant rate based on the information we have in our system. We will also provide you with a list of companies that offer this coverage so you don't need to shop around.

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Customized Coverage To Match Your Business

Our agents work with you to customize an individual plan based on your needs. We'll help you choose from among our many different plans so you can get the best value for your money. You may be able to save up to 50% by choosing one of our custom policies over other companies' standard offerings. *Source: A.M Best Company 2017 Small Business Insurance Study

The following questions will assist us in determining if we should write this type of insurance for your company.

• Business autos
• Cargo trailers
• Construction equipment
• Farm machinery
• Motorcycles
• Off-road vehicles
• Trucks
• Utility Trailers
• Vehicles you rent

Your business's fleet of vehicles may be an asset, but it could also pose risks if not properly insured. We offer comprehensive commercial auto insurance policies designed specifically with your unique situation in mind. Our agents will work closely with you to ensure that all aspects of your business are covered by our best available options.

How Much Does Commercial Auto Insurance Cost?

We offer 24/7 claims service with an extensive truck repair network, discounts and more. Get a free commercial auto insurance rate estimate today! *Based on 2016 data provided by IHS Markit

Personal Auto VS. Business Auto Insurance

Businesses often choose between two types of policies: Personal auto insurance and Business auto insurance. Both offer different benefits that may be right for your company. The main difference between P&C and B&O is how they treat accidents involving people other than the insured person. With P&C, all drivers are considered "insured" under the same terms as the named insured.

Why Is Commercial Auto Insurance Important?

You don’t want to be caught without enough coverage. You could end up paying out of pocket for damages caused by someone else’s negligence. And even though you might not think much happens at your place of employment, there are plenty of things that can go wrong.

For example, let’s say one of your drivers gets into an accident because they were distracted by their phone. Your company will likely foot the bill for this repair. You may be required by law to have commercial auto insurance. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage. The most common state requirements are liability insurance for injuries and property damage.

Some states also require uninsured/underinsured motorists coverage and medical payments coverage (also known as personal injury protection). The types of vehicles your business is using, how they are being used, and who is using them will determine the specifics of what kind of insurance you need. *Source: nextinsurance.com

Business car insurance can provide more coverage. Whether your vehicle is essential for your daily operations or something you only occasionally use for work, you need an auto insurance policy customized for your business. The most common state requirements are liability insurance for injuries and property damage. Business car insurance can provide more coverage than just liability insurance. It includes things like collision and comprehensive coverage, which help repair damaged parts after an accident.

It's smart to get multiple quotes before purchasing a policy because rates vary based on factors like where you live, whether you're married, how many miles you drive each year and even your age.

Commercial Truck Insurance

Find a Plan That Keeps You Secure.

Commercial Auto Insurance

Running a business, being an employer of labor, and with an operational fleet of vehicles for commercial purposes; you are best served reducing liability, keeping your drivers secure, and actively keeping your business protected on all fronts; from the actions of others, and those of your drivers.

As an enterprise, your vehicle insurance needs are fundamentally different from what is offered with personal vehicle insurance plans. Getting in touch with one of our involved insurance agents, you can work out an insurance scheme that keeps your commercial fleet of vehicles fully protected and secure.

On the road, there are a number of factors to consider, the majority of which are out of your control, and as a business, and employer of labor, you have a duty to provide legal and financial protection for yourself and your commercial truck drivers. The dangers of the road, not restricted to road rage, drunk drivers, bad roads, and bad drivers, leave you exposed to a range of liability if your business is left uninsured and without commercial truck insurance coverage, truck insurance, and motor truck cargo insurance amongst others.

Whether you are at the wheels or employ drivers to man your fleets, you need a flexible, customized plan to keep you legally and financially protected.

Who Requires Commercial Vehicle Insurance in New York?

You'll need customized commercial auto insurance if:

• You Employ Labor. Keep your employees protected and catered for with customized commercial vehicle insurance. Getting a quote for motor cargo insurance in New York serves a dual purpose; creating a financial and legal fallback for your drivers; and protecting your business from fallout due to the negligent actions of your employees.
• Transport Goods. Businesses that require transportation of goods and services need to cover all bases when dealing with valuable items. While you may have the utmost confidence in your driver's competency, accidents may, and do, occur; it is best to prepare for eventualities, even if you do not expect them (especially since you do not expect them).
• Hire Commercial Vehicles. If through the course of your day-to-day operations you have cause to hire commercial vehicles to serve your needs, you will need a higher policy rate compared to basic vehicle insurance. The mere fact that you employ these vehicles for commercial purposes requires that you acquire more comprehensive and suitable automobile insurance. Speaking to one of our well-versed brokers will help you decide on the ideal insurance quote for your specific scope of operations. All of our plans are customizable and flexible enough to cover an extensive range of possibilities.
• Deal in Transportation and Haulage. For heavy-duty movers of product or transportation companies, commercial vehicle insurance is a must, not a recommendation. Our comprehensive motor truck cargo insurance protects haulage companies from extensive loss and liability while transporting goods over a distance. Commercial truck insurance helps mitigate financial and legal drawbacks you constantly flirt within your line of business.

Utilizing your vehicle(s) for transport purposes human transport also places you in a legally/financially mandated column. The need to protect yourself from the actions and inactions of your drivers, and other unknown entities on the roads, means you need to take steps that protect your business from all eventualities.

Personal or Commercial Auto Insurance?

The simple act of attaching a plow to your truck and clearing snow off your street for cash necessitates an upgrade in your insurance policy. Personal auto insurance policies do not have the flexibility and blanket coverage needed to reduce the risk and liability operating a commercial vehicle (truck, limousine, taxi) incurs. For commercial vehicle operators, a higher policy rate is required, and speaking to one of our experienced agents will help you customize a plan that suits you. *Source: rpkinsurance.com

How Commercial Car Insurance Works

The way commercial auto insurance works depends on whether you have a policy with one company or multiple companies. If you have just one insurer, they'll likely handle all claims made against your policy. However, if you have more than one carrier, each will usually only take responsibility for its share of any claim. For instance, let's say you have two carriers who insure you. One covers 100% of your liability while the other covers 50%.

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