Commercial Auto Insurance in New York State That Keeps You Moving

Coverage for Work Trucks, Delivery Vans & Company Vehicles
Delivery person loading cardboard boxes into a silver van in front of a white building on a sunny day.

Why Commercial Auto Insurance Matters in New York

Whether you're delivering goods across Albany, hauling tools to a jobsite in Rochester, or making client visits throughout the Hudson Valley, you rely on your vehicle to do business. Commercial auto insurance covers your business-owned vehicles, drivers, and the people you serve-so you can focus on the road ahead, not the risks around the corner.

Three Ways We Help
Three people in red coveralls load a yellow vacuum cleaner into the back of a white van parked on a paved driveway.

Coverage for Work Vehicles of Every Shape & Size

1. Protection for Your Business Vehicles
We help you cover work vans, pickups, service trucks, and sedans used for business purposes. That includes damage from accidents, theft, vandalism, and more.

2. Liability Coverage That Meets NY Requirements
If your vehicle injures someone or damages property, commercial auto liability covers medical bills, repairs, and legal fees-often at higher limits than personal auto.

3. Flexible Options for Fleets & Single Vehicles
Whether you have one company car or a growing fleet of delivery vehicles, we'll build a policy that fits your operation-and grows with your business.

Row of luxury cars parked outside a dealership, with various colors like white, black, and red.

What's Typically Covered

  • Liability for bodily injury & property damage
  • Physical damage from collisions or other events
  • Comprehensive (theft, vandalism, fire, weather)
  • Medical payments or personal injury protection
  • Uninsured/underinsured motorist protection
  • Hired & non-owned auto coverage (optional)
  • Towing & roadside assistance (optional)
Delivery person unloading packages from a van, pushing a hand truck with a large box outdoors.

Common Add-Ons & Options

  • Rental Reimbursement - Covers the cost of a rental if your work vehicle is out of commission
  • Hired & Non-Owned Auto - Covers vehicles not owned by your business but used for work
  • Trailer Coverage - For attached work trailers and towed equipment
  • Custom Equipment - Protects permanently installed gear or tools inside the vehicle
  • Loading & Unloading Coverage - Covers damage while materials are being moved in/out

Who Needs This Coverage?

If your vehicle is titled in your business name, used to transport tools, goods, or clients-or driven by employees during work hours-you likely need commercial auto coverage.

Local Risks to Consider

  • Rear-end accidents on Route 6 or I-684
  • Delivery vehicle collisions in Buffalo
  • Work truck theft or vandalism from job sites
  • Roadside breakdowns during busy season
  • Liability from accidents involving seasonal workers
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FAQs

  • Do I need commercial auto if I use my personal car for work?

    Maybe. If you're regularly driving for work (like deliveries or client visits), your personal policy may not cover it. We can help assess your risk and recommend the right policy.

  • What if I rent or lease vehicles?

    We offer hired and non-owned auto coverage to protect those vehicles. It's especially useful for seasonal needs or contract jobs.

  • We offer hired and non-owned auto coverage to protect those vehicles. It's especially useful for seasonal needs or contract jobs.

    Yes-so long as they're listed or qualify under your policy terms. We'll make sure you have the right drivers noted and the correct liability limits.

  • What vehicles are eligible?

    Most cars, vans, pickups, and light-duty trucks used for business purposes. Heavier or specialty vehicles may need different underwriting-we'll walk you through it.

  • Can I get coverage for tools or equipment inside my truck?

    Not through auto insurance alone-but we can bundle that coverage through inland marine or a business owners policy (BOP).

Ready to Keep Your Business on the Road?

Let's make sure your work vehicles are covered-whether you drive one truck or manage an entire fleet. Reach out today and we'll get you rolling with the right protection.