Commercial Auto Insurance

Commercial Auto Insurance Information

Commercial Auto Insurance in New York

If you own a business, you likely know the importance of reliable owned, leased or rented vehicles, as they help you carry out everyday jobs. But did you know that you need to secure a commercial auto insurance policy to protect your business and its vehicles properly? The Cali Agency team can help you identify your commercial auto insurance needs and find a policy that meets those needs. Give us a call today or request a quote online to get started.  

Do I Need Commercial Auto Coverage? 

If your business has company vehicles, it probably should have commercial auto insurance. Nearly every state requires commercial auto insurance coverage for business-owned vehicles. Without it, you could end up paying thousands of dollars in medical bills and other costs if one of your employees has an accident. The Cali Agency can review your commercial insurance needs to ensure you have adequate protection for your business vehicles. 

You may need commercial auto coverage if you have:  

  • Employees who drive their personal vehicles for business-related errands

  • Company vehicles provided to employees for commercial and private use

  • Vehicles owned, leased, hired or rented by your business

What Are the Benefits of Commercial Auto Insurance? 

Protecting your company’s drivers and vehicles is essential, and the proper insurance coverage offers the needed protection. Many companies choose commercial auto insurance for the following benefits: 

  • Collision insurance—This coverage may help pay for damage to your vehicle sustained in an accident.

  • Comprehensive insuranceThis coverage may help pay for damage from non-accident mishaps, such as weather damage, fires, theft or vandalism.

  • Liability insuranceIf an accident is your fault, this coverage may help pay for the damage you do to others.

  • Bodily injury liability coverage can pay for third-party medical bills and sometimes death benefits.

  • Property damage liability coverage can pay for damage to the other party’s property.

  • Hired/non-owned auto liability insuranceThis liability coverage often extends to vehicles you use for business but aren’t owned by your company. These may include employees’ cars or vehicles that you rent or hire to use temporarily.

  • Medical paymentsIf you or a passenger are injured in an accident, this coverage may help pay the medical bills. Sometimes it may cover other losses, such as lost income.

Uninsured/underinsured motorist insurance—This may help cover damage caused by someone who doesn’t have appropriate liability coverage. You may also be able to expand your business’s commercial auto benefits with additional policies and endorsements. Talk with the Cali Agency to see if supplemental coverages like rental car reimbursement or roadside assistance may be a good fit for your business: 

What Does Commercial Auto Insurance Cost? 

Commercial auto insurance costs depend on many things, such as the type of coverage you purchase, your business’s location, and the value of the vehicles you want to insure.  

How We Can Help 

Any vehicle your business uses should have commercial auto coverage. To learn more, call the Cali Agency today at 631-592-1250.  

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