FIVE BOROUGHS & METRO NY
Coverage for vehicles used in your business, from contractor vans to delivery trucks. We work with multiple insurers, so we can shop for the best price and pass the savings to you.
Call 718-788-3585 or email us today
Info@nextcenturyinsurance.com Sunny Xu
Gavriel@nextcenturyinsurance.com Gavriel Gavrilov
Examples include, but are not limited to:
Injuries and property damage your vehicle causes to others.
Repairs to your own vehicle after an accident, theft or vandalism.
New York no-fault coverage for medical costs and lost wages.
Protection when the other driver has no insurance or not enough.
Covers rented vehicles or employees’ own cars used for your business.
NOT SURE WHAT YOU NEED?
Talk to an agent
We’ll recommend the right mix for how you use your vehicles.
1
Fill out the quote form or give us a call.
2
We compare options from the insurers we work with to find the right fit.
3
Pick your policy, sign, and get your proof of insurance.
Do I need commercial auto insurance if I use my vehicle for work?
In most cases, yes. Personal auto policies are designed for commuting and everyday errands, and many exclude or limit coverage when a vehicle is used primarily for business, such as transporting goods, tools, equipment, or paying customers, or making deliveries and service calls. If an accident happens while you’re working and your personal insurer determines the vehicle was being used for business, your claim could be denied, leaving you personally responsible for damages. If your vehicle is titled to your business, used by employees, or carries signage or heavy equipment, a commercial auto policy is typically required. Not sure where you fall? Give us a call and we’ll help you figure out the right coverage for how you actually use your vehicle.
What types of vehicles can you insure?
We insure a wide range of business vehicles across New York, including cars, SUVs, pickup trucks, cargo and passenger vans, box trucks, service and utility trucks, dump trucks, tow trucks, food trucks, and trailers. Whether you’re a contractor with a single pickup, a landscaper with a truck and trailer, or a company running a fleet of delivery vans, we can build a policy that fits your operation. If you have a specialty vehicle or an unusual use, reach out and we’ll find the right carrier for it.
How do I get a quote?
Getting a quote is quick and easy. Call us at 718-788-3585, text us at 718-395-6005, or email us at gavriel@nextcenturyinsurance.com. To speed things up, have the following ready: your business name and type of operation, vehicle year, make, model, and VIN, driver names, dates of birth, and license numbers, how the vehicles are used and how far they typically travel, and your current policy information if you have one. Our agents shop multiple carriers to find you strong coverage at a competitive price, and we’ll walk you through your options so you know exactly what you’re getting.
Can I insure multiple vehicles on one policy?
Absolutely. Whether you have two vehicles or an entire fleet, we can place them all on a single commercial auto policy. Combining your vehicles simplifies billing and renewals, makes it easier to add or remove vehicles as your business grows, and may qualify you for multi-vehicle or fleet discounts. You can also add multiple drivers to the same policy, so your employees are covered when they’re behind the wheel of a company vehicle.
What does commercial auto insurance cover?
Commercial auto insurance protects your business when its vehicles are on the road. New York requires all registered vehicles to carry liability coverage, no-fault (Personal Injury Protection), and uninsured motorist coverage, and letting coverage lapse can lead to suspension of your vehicle registration. Beyond those requirements, a policy can include bodily injury and property damage liability, collision coverage for damage to your vehicle from an accident, comprehensive coverage for theft, vandalism, fire, and weather, medical payments, and hired and non-owned auto coverage for when employees use rented or personal vehicles for business. Many businesses choose limits well above the state minimums, since a single serious accident can easily exceed them. We’ll help you choose the coverage and limits that make sense for your risk and your budget.
Leave your details and one of our agents will reach out to gather everything else.
