Commercial Auto Insurance in New York State
Reliable Coverage for Business-Owned Vehicles
Car Insurance: What It Is & Why You Need It
If your business uses vehicles to transport goods, tools, equipment, or employees, personal auto insurance may not provide adequate coverage. Commercial auto insurance is designed specifically for business-use vehicles and helps protect your company from costly claims involving accidents, injuries, or property damage.
Unlike general liability insurance—which does not cover vehicle-related incidents—commercial auto insurance fills a critical coverage gap. In many cases, claims may also be denied under a personal auto policy if a vehicle is used for business purposes. Commercial auto policies typically offer higher liability limits, providing broader financial protection for your business.
Commercial auto insurance includes a range of coverages designed to protect both your vehicles and your operations, such as:
- Liability coverage for bodily injury and property damage caused to others
- Collision coverage for damage to your vehicle resulting from an accident
- Comprehensive coverage for non-collision losses such as theft, fire, or vandalism
- Uninsured and underinsured motorist coverage for accidents involving drivers with insufficient or no insurance
- Medical payments coverage for medical expenses resulting from an auto accident
By carrying commercial auto insurance, businesses can operate with greater confidence knowing their vehicles—and the risks that come with them—are properly insured.
Additional Considerations
Beyond these coverages, there are additional, optional coverages to protect you in a variety of situations. For example:
| Coverage Type | Coverages Provided |
|---|---|
Hired & Non-Owned Auto Liability |
Offers protection when employees use personal or rented vehicles for business |
Gap Coverage, Loan/Lease Coverage |
Pays the difference between actual cash value and what’s owed on a financed vehicle |
Rental Reimbursement |
Reimburses for a rental vehicle while a business auto is being repaired |
Frequently Asked Questions About Commercial Auto Insurance
Can I register my vehicle in my business name?
Yes, vehicles can typically be registered in your business name. This often helps ensure proper coverage under a commercial auto policy. Contact us to review the requirements and make sure your vehicles are correctly insured.
Can I also use my vehicle for personal use when I am not working?
Some personal use is allowed, but coverage can vary by policy. Using your vehicle extensively for personal reasons may require additional coverage. Contact us to clarify your policy limits and options.
Does commercial auto cover my tools?
No. Commercial auto insurance generally does not cover tools or equipment. You would need a separate inland marine or equipment policy for that. Contact us to discuss the best solution for protecting your tools.
What to Expect When You Contact Us for a Commercial Auto Quote
Our agents help drivers throughout Rochester and surrounding areas choose auto insurance coverage that goes beyond the minimum requirements. We review your driving habits, vehicle type, and risk exposure to recommend coverage designed to protect you, your vehicle and your financial security.
Request your Ferris Commercial Auto Insurance Quote Today