Commercial Auto Insurance
Running a business, being an employer of labor, and with an operational fleet of vehicles for commercial purposes; you are best served reducing liability, keeping your drivers secure, and actively keeping your business protected on all fronts; from the actions of others, and those of your drivers.
As an enterprise, your vehicle insurance needs are fundamentally different from what is offered with personal vehicle insurance plans. Getting in touch with one of our involved insurance agents, you can work out an insurance scheme that keeps your commercial fleet of vehicles fully protected and secure.
On the road, there are a number of factors to consider, the majority of which are out of your control and as a business, and employer of labor, you have a duty to provide legal and financial protection for yourself and your commercial truck drivers. The dangers of the road, not restricted to road rage, drunk drivers, bad roads, and bad drivers, leave you exposed to a range of liability if your business is left uninsured and without commercial truck insurance coverage, truck insurance and motor truck cargo insurance amongst others.
Whether you are at the wheels or employ drivers to man your fleets, you need a flexible, customized plan to keep you legally and financially protected.
Who Requires Commercial Vehicle Insurance in New York?
You'll need a customized commercial auto insurance if:
- You Employ Labor. Keep your employees protected and catered for with customized commercial vehicle insurance. Getting a quote for motor cargo insurance in New York serves a dual purpose; creating a financial and legal fall back for your drivers; and protecting your business from fallout due to the negligent actions of your employees.
- Transport Goods. Businesses that require transportation of goods and services need to cover all bases when dealing with valuable items. While you may have the utmost confidence in your driver’s competency, accidents may, and do, occur; it is best to prepare for eventualities, even if you do not expect them (especially since you do not expect them).
- Hire Commercial Vehicles. If through the course of your day-to-day operations you have cause to hire commercial vehicles to serve your needs, you will need a higher policy rate compared to basic vehicle insurance. The mere fact that you employ these vehicles for commercial purposes requires that you acquire a more comprehensive and suitable automobile insurance.
Speaking to one of our well versed brokers will help you decide on the ideal insurance quote for your specific scope of operations. All of our plans are customizable, and flexible enough to cover an extensive range of possibilities.
- Deal in Transportation and Haulage. For heavy duty movers of product, or transportation companies, commercial vehicle insurance is a must, not a recommendation. Our comprehensive motor truck cargo insurance protects haulage companies from extensive loss and liability while transporting goods over distance. Commercial truck insurance helps mitigate financial and legal drawbacks you constantly flirt with in your line of business.
Utilizing your vehicle(s) for transport purposes—human transport—also places you in a legally/financially mandated column. The need to protect yourself from the actions and inactions of your drivers, and other unknown entities on the roads, means you need to take steps that protect your business from all eventualities.
Personal or Commercial Auto Insurance?
The simple act of attaching a plow to your truck and clearing snow off your street for cash necessitates an upgrade in your insurance policy. Personal auto insurance policies do not have the flexibility and the blanket coverage needed to reduce the risk and liability operating a commercial vehicle (truck, limousine, taxi) incurs. For commercial vehicle operators, a higher policy rate is required, and speaking to one of our experienced agents will help you customize a plan that suits you.