NYS Auto Insurance Coverage
Commercial Auto liability
Provides protection for amounts you are legally obligated to pay to others for injuries or damage to property from a covered accident.
Protection if you or your employees are injured in a covered accident caused by a negligent uninsured driver.
Provides payment for the reasonable and necessary medical treatments you or your employees incur as a result of a covered accident
Pays for damage to your commercial vehicles for covered losses not caused by collision. Including damage caused by wind, hail, earthquake, glass breakage, flood, fire, explosion, theft, and vandalism.
Pays for damage caused to your commercial vehicle resulting from a covered accident with another car, or a covered collision with most anything else (such as a tree). Repair or replacement of vehicle (up to actual cash value) for damage caused by collision
Personal Injury Protection (PIP)
Provides coverage for injury, death, loss of services, and loss of income suffered by you, your covered passengers.
Hired Non-Owned Auto
Provides liability coverage for vehicles you do not own when they are used by others in your business.
Loading and unloading
Provides liability protection for damages resulting from the handling of property during the loading onto or unloading from covered vehicles.
Towing and labor costs
Provides coverage for necessary towing charges, up to the dollar amount shown on your commercial auto policy, should your commercial private passenger vehicle become disabled.
Truck & Van – Commercial Auto Insurance
Commercial Auto Insurance is mandatory for vehicles operating in NY State that are owned or operated by a business. Passenger cars can either have commercial or passenger license plates, but Vans and Trucks must have commercial license plates.
A commercial auto policy is written under the business name and provides protection for a business should any vehicle get into an at-fault accident.
In NY State there are a few mandatory insurance coverage’s and a few that are optional, the experts at the NYC Business Group who specializes in truck & fleet trucking insurance will guide you to the most affordable insurance for your business. We have courteous professionals that are available to speak with you and help you shop your policy to multiple “A” rated Commercial Auto Insurance Companies.