Commercial Auto Insurance in New York

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Running a business can be challenging, and having one where you have several, if not a fleet of vehicles used for business purposes is even more so. In addition, while you can control your driving, you can’t control that of your employees or other drivers on the road, which makes having commercial auto insurance in New York essential. 

If you use your vehicles as part of your business, get your free commercial auto insurance quote from NYC Insurance today. We work hard to provide the specialized auto insurance coverage your business needs, at a great price. Whatever the size of your business, we’ll help customize a policy that works for you.

What Is Commercial Auto Insurance?

Commercial auto insurance in NY is an insurance policy that covers vehicles used for business purposes, like cars, delivery vans, trucks, and utility vehicles. 

If your business owns commercial vehicles used for business purposes, you need commercial auto insurance. Further, any vehicles employees lease, rent, or own, which they use while conducting business, will also need commercial auto cover.

Do I Need Both Commercial And Personal Auto Insurance? What’s The Difference?

If your business owns a vehicle that you use for business during the week but then also operates for personal use on weekends, we recommend getting commercial auto insurance. Personal auto insurance will not cover a vehicle used for business purposes. However, a commercial auto insurance policy in NY will cover your vehicle for business and personal use.

Getting a commercial auto insurance quote can be the first step in protecting you and your business. You can get a commercial insurance quote by calling (718) 788-3585

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Who Can Be Insured Under A Commercial Auto Policy?

Businesses that own vehicles used in their business operations can invest in insurance for commercial vehicles. 

Some of these industries include:

  • Carpenters
  • Bakeries
  • Landscapers
  • Realtors
  • Contractors
  • Food delivery services
  • Cleaning services
  • Snow plow services

When Do You Need Commercial Vehicle Insurance?

Since commercial insurance for cars is mandatory in all states except for Virginia and New Hampshire, you will need to invest in commercial auto insurance in New York before you or your employees start utilizing the vehicles for business needs.  

If your business owns, leases, or has employees who drive their own vehicles for your business, you should definitely consider Next Century Insurance. Our professional can help you create a plan that meets your needs at a price that fits your budget.

What Does Commercial Auto Insurance Cover?

Insurance for commercial vehicles covers aspects like driver injury, injuries caused to others due to the accident, damage to your vehicle/s, and damage to someone else’s property resulting from the accident. 

As a result, a typical policy for vehicle insurance for business may include:

  • Auto Liability – covers you and your company for claims of injury or property damage due to an accident. This must be included in your commercial auto insurance in New York as it is mandatory in the state. 
  • Comprehensive Coverage – This covers your business vehicles against damage resulting from causes other than an accident like vandalism, theft, or weather damage.
  • Medical Payments – Irrespective of who is at fault for an accident, this will cover medical costs for you, your driver, or any passengers.
  • Collision Coverage – Pays for the damage to your vehicle resulting from a collision regardless of who was at fault. 
  • Uninsured/Underinsured Drivers – Covers medical bills, loss of income, or damages owed to you or your employees in the event an uninsured or underinsured driver caused the accident.

Why Do You Need Commercial Car Insurance in NYC?

Commercial auto insurance in NY protects you and your business from financial fallouts associated with vehicular accidents, damages, and injuries. Without this policy, you risk limited or perhaps no coverage for your business vehicles if they are in an accident, you could lose your personal auto coverage, and you will need to pay out of pocket to cover any liabilities.

When Is Commercial Auto Insurance Required?

Commercial auto insurance in New York is required for all business-owned vehicles. As a result, following the purchase of a vehicle by a business, the owner must apply for commercial auto insurance.

Who Needs Commercial Vehicle Insurance?

New York requires all vehicles to have liability insurance at a minimum. So, we recommend that any business with commercial vehicles (cars, trucks, or other vehicles used for business purposes) invest in commercial auto insurance.

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How To Get Commercial Auto Insurance in New York?

Since each policy will differ depending on how many vehicles you have and what they’re used for, it is best to contact a reputable insurance company like NCI to find out what business auto insurance is best for you.

How Does Commercial Car Insurance Work?

Commercial auto insurance in NY helps to cover damage to your vehicle, other people’s property, injuries sustained by your driver, passengers, and any other individuals involved, and medical costs in the event your employee is found at fault for an automobile accident.

Why Choose NCI?

NCI is a leading insurance company with a highly-qualified team of insurers who understand the needs of your business. As a result, our insurers can help you invest in the correct car insurance for business and commercial needs.

So, contact NCI today for a quote on commercial auto insurance in New York.


Is Commercial Auto Insurance Cheaper Than Personal?

Typically, commercial driver insurance is more costly as it has higher coverage limits than personal auto insurance because commercial vehicles need more protection in the event of an accident.

Does Commercial Auto Insurance Cover Personal Use?

Yes, in some cases, commercial auto insurance will cover personal use costs. 

Is Commercial Auto Insurance Tax Deductible?

Yes, business insurance, including commercial auto insurance in New York, is tax deductible.

Does Commercial Auto Insurance Cover Rental Cars?

Yes, typically, commercial auto insurance covers any vehicle your business owns, borrows, leases, or rents.

Do I Need Commercial Auto Insurance For Doordash?

Yes. However, Doordash offers drivers a commercial auto insurance policy. However, this will run in conjunction with your own personal auto policy.

Are Trailers Covered Under Commercial Auto Insurance?

While most insurance companies will cover trailers like auto haul trailers, utility trailers, flatbed, and dry freight trailers, many won’t insure tractor trailers.

Can You Write Off Commercial Auto Insurance?

Yes, since business tax, like commercial auto insurance, is tax-deductible, you can deduct it from your taxable income if it is ordinary and necessary.

Do Realtors Need Commercial Auto Insurance?

Yes, since realtors use their vehicles to drive between appointments with clients at various commercial and residential sites they are showing, their vehicles are considered commercial-use cars. 

Do I Need Commercial Auto Insurance For Uber?

Yes. All vehicles operating under Uber must have commercial auto insurance and license plates as per New York law.

Do I Need Commercial Auto Insurance To Deliver Pizza?

Yes. However, many companies like Dominos have commercial auto insurance that covers their employees.