Commercial Auto Insurance

Commercial auto insurance helps provide essential financial protection for companies that use vehicles in everyday business. This coverage helps pay for the driver’s legal liability after an accident and may also provide coverage for company property. 

Contact the agents at K.S. Billing & Associates in South Richmond Hill, New York, today to get a personalized quote for commercial auto insurance. 

What Is Commercial Auto Insurance? 
Companies that own vehicles may be liable for damages if an owner or employee causes an accident while driving a company car. Commercial auto insurance helps cover third-party injuries and property damage. 

All vehicles must meet the state’s minimum liability requirements in New York. If your company leases or finances vehicles, the lienholder requires full coverage auto insurance to help protect their investment. 

What Does Commercial Auto Insurance Cover? 
Commercial auto insurance coverage varies according to the coverage you choose. Your agent may recommend that you purchase the following commercial auto insurance policies: 

• Liability insurance is required for New York companies that use vehicles for business purposes. It includes bodily injury liability and property damage liability.
• Collision insurance helps pay for damages to the covered company vehicle after an accident that involves colliding with another vehicle or object. Your lienholder may require collision coverage as part of your full coverage auto insurance policy.
• Comprehensive insurance helps pay for damages that are not accident-related, including fire, vandalism, weather damage or theft. Your lienholder may also require comprehensive insurance as part of your full coverage auto insurance policy.
• Medical payments/Personal injury protection helps pay for losses, including medical bills if the driver of a company vehicle or passengers is injured in an accident.
• Uninsured/Underinsured motorist insurance helps pay to repair or replace your vehicle if you are in an accident and the other driver doesn’t have appropriate insurance coverage. 

Your agent may also recommend additional commercial auto coverage or endorsements, including: 

• Hired and non-owned auto (HNOA) insurance
• Gap insurance 
• Inland marine insurance 
• Roadside assistance 
• Custom parts coverage 
• Replacement cost vehicle coverage
• Rental car reimbursement  

Get Commercial Auto Insurance Today 
Commercial auto insurance is required in New York, so contact K.S. Billing & Associates in South Richmond Hill today to get help tailoring your company’s insurance coverage and get a personalized quote. 

 

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