Commercial Auto Insurance

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Commercial auto insurance protects the vehicles your business depends on—whether you own a single work truck or a full fleet. From contractors and delivery drivers to real estate professionals and service-based companies, commercial auto coverage keeps your business protected on the road.

We proudly offer commercial auto insurance throughout New York, New Jersey, Connecticut, and Florida.

🛡️ What Commercial Auto Insurance Covers

✔ Liability Coverage

Covers bodily injury and property damage you cause to others while driving a business vehicle.

✔ Collision Coverage

Pays for damage to your vehicle from a collision, regardless of fault.

✔ Comprehensive Coverage

Protects against:

  • Theft
  • Vandalism
  • Weather damage
  • Fire
  • Falling objects
  • Animal collisions

✔ Medical Payments (MedPay) / PIP

Covers medical expenses for drivers and passengers after an accident.

✔ Uninsured/Underinsured Motorist

Protects you if your business vehicle is hit by a driver with little or no insurance.

🚛 Vehicles We Insure

✔ Pickup Trucks & Work Trucks

Contractors, landscapers, HVAC techs, plumbers, electricians, and more.

✔ Cargo Vans & Service Vans

Mobile technicians, delivery drivers, cleaning services, and service businesses.

✔ Company Cars

Used for sales, real estate, commuting, or client visits.

✔ Box Trucks & Flatbeds

Transport vehicles for deliveries, moving companies, wholesalers, etc.

✔ Food Trucks & Specialty Vehicles

Custom equipment and add-ons can be covered.

⚙️ Optional Commercial Auto Add-Ons

✔ Hired & Non-Owned Auto

Covers employees who use personal or rented vehicles for business.

✔ Rental Reimbursement

Covers vehicle rental costs after an accident.

✔ Roadside Assistance

Towing, battery service, fuel delivery, and emergency help.

✔ Custom Equipment Coverage

Protects toolboxes, racks, signage, lifts, refrigeration units, and more.

✔ Trailer Coverage

Protects business-owned trailers attached to your company vehicles.

💲 How Much Does Commercial Auto Insurance Cost?

Your premium depends on:

  • Business type
  • Vehicle type & weight
  • Number of vehicles
  • Driving history of employees
  • Location
  • Annual mileage
  • Coverage limits
  • Claims history

We compare multiple carriers to find the best rate for your business.

⭐ Why Choose Our Agency?

🔹 Customized Commercial Auto Policies

We tailor coverage to your business vehicles, routes, and operations.

🔹 Top-Rated Commercial Insurers

We partner with national carriers specializing in commercial auto protection.

🔹 Competitive Pricing & Bundle Discounts

Save by combining commercial auto with general liability, BOP, or workers’ comp.

🔹 Fast Certificates of Insurance (COIs)

Get COIs quickly for job sites, vendors, and contracts.

🔹 Multi-State Business Expertise

Perfect for companies operating in NY, NJ, CT & FL.

🌎 Areas We Serve

We proudly provide Commercial Auto Insurance in:

New York:
Long Island • Nassau & Suffolk County • NYC • Westchester • Upstate NY

New Jersey:
North, Central & South Jersey

Connecticut:
Fairfield County & surrounding areas

Florida:
Miami-Dade • Broward • Orlando • Tampa • Juniper • Palm Beach • Ford Lauderdale • Other nearby regions

📝 Frequently Asked Questions

No. Personal auto policies exclude business use, which may leave you uninsured.

Yes — as long as they’re listed on your policy.

Not under auto coverage. Tools/equipment require inland marine or property coverage.

Yes if employees use personal or rental vehicles for business.

Only if added to the policy. We can include trailer coverage.

Yes — fleets of all sizes are eligible.

📞 Get a Free Quote

Protect what matters most with coverage you can count on.

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