New York Commercial Vehicle Insurance

Understanding New York Commercial Auto Insurance

New York is home to many diverse industries. Some of the largest include construction, manufacturing, financial management and educational services. The one thing they all have in common is that at some point, each industry needs to employ a commercial vehicle. To protect the vehicle, the drivers, passengers and personal assets, you have the responsibility as a business owner to obtain New York commercial auto insurance.

If the search seems daunting, contact a local independent agent in the Trusted Choice® network. An independent agent will help you evaluate your needs and then find the best policy at the best price to meet them. Because Trusted Choice member agents work with multiple insurance companies, you'll be able to compare multiple New York commercial auto insurance quotes easily. Find an agent in your area today to get started.

Commercial Vehicles

  • Delivery trucks, vans and cars
  • Limousines
  • Taxis
  • Garbage/recycling trucks
  • School buses and vans
  • Service vehicles such as cherry pickers
  • Tractor trailers
  • Construction vehicles, such as:
    • Cranes
    • Cement trucks
    • Dump trucks
    • Flatbed trucks

Do I Need New York Commercial Auto Insurance?

A commercial vehicle is any car, van or truck used for business purposes. If you don’t have a vehicle specifically for commercial use, but drive your personal car for business, is that still considered a commercial vehicle? Probably. When you use any vehicle for a business operation, it is a good idea to get a New York commercial auto insurance policy to ensure that you are covered for any incidents that may occur during business operations. Don’t rely on your personal policy to cover business related accidents, as there may be specific exclusions for commercial use of your car or truck that could leave you with major costs out of pocket after an accident.

Commercial vehicles often come with a higher risk, which requires a separate policy. If you have a fleet of commercial trucks that deliver hazardous materials, for example, you will need specialized commercial truck insurance that covers your specific liability risks.

If you aren’t sure whether you need commercial vehicle insurance coverage, contact a local independent agent in the Trusted Choice Network. One of these agents can assess your needs and tailor a policy to your company, whether you have one company car, a fleet of delivery vans or several freight trucks that deliver cargo cross-country.

How Much New York Commercial Auto Insurance Do I Need?

New York state law requires that all commercial trucks and vehicles be insured with a minimum amount of commercial auto liability insurance. But you may also want additional coverage based on your company's needs and risks. The business owner that has a small car to meet with clients will need a different policy than a company that has a fleet of garbage and recycling trucks. Here are some questions to help you determine what kind of coverage you need.

  • What kinds of vehicles does your company use?
  • Who owns these vehicles?
  • Who drives the vehicles?
  • How often are the vehicles driven?
  • What are you transporting?

An independent agent can help you determine the type and amount of coverage you need based on the vehicles your company owns, the experience and training of your drivers, and other factors unique to your business.

The Importance of New York Commercial Auto Insurance

Your commercial vehicle policy can help protect your business financially in the event that you or one of your drivers causes an accident on the road. Whether the accident results in minor property damage or severe injuries to others, you will be protected from major costs for repairs, medical treatment or even a lawsuit. Your policy can also cover your costs if one of your vehicles is damaged after an accident, severe weather and other hazards.

As your business grows, make sure you continually update your policy. A lapse in coverage can mean serious penalties. You could lose your driver’s license and have your registration suspended. You may also need to pay additional fines and fees as well, which can range from $50 to over $2,000.

How to Find New York Commercial Auto Insurance Quotes

Being a business owner requires time and effort, and you work hard to grow your company. Don’t let an uninsured accident ruin everything you’ve built. The member agents in the Trusted Choice network know that you’re a busy individual, so let them find you a New York commercial insurance policy that matches your needs and budget.

Trusted Choice member agents have the ability to compare multiple insurance policies and various New York commercial auto insurance quotes to find you the best coverage for your needs. It only takes a moment to find a local member agent in your area.

Now, who's ready to get their insurance problems solved?