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Commercial Auto Insurance

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Protect Your Business With a Commercial Auto Policy

With 150 years of experience in providing auto insurance across New York State and Long Island, we are experts when it comes to solving the insurance needs of business owners.  While we recognize price is important, we know auto accidents can be physically and financially devastating.  It is our job to help you understand coverage and the importance of adequate limits to protect you, your passengers and your business.

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Call us at 516-922-6500 for free, non-obligatory quotes Monday-Friday from 8:30am-4:30pm or send us an email at your convenience to info@brcinsurance.com.

Commercial Auto Insurance Coverage

Below are brief explanations of the coverages provided under a commercial auto policy - please speak with your insurance agent regarding your individual policy limits and coverage.

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  • Liability Coverage – Bodily Injury and Property Damage

    • The bodily injury (BI) and property damage (PD) coverages on your commercial auto policy protect you in the event you or your employee is liable for causing injury to another person (driver and/or their passengers) or damage to their vehicle or property (mailbox, fence, etc.)​​

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  • Collision Coverage

    • Collision coverage protects your commercial vehicle if it overturns or collides with another vehicle or object (guard rail, building/structure, pothole, tree, etc.).  Any payout is subject to your deductible.

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  • Comprehensive Coverage

    • ​Comprehensive coverage protects your commercial vehicle if it is damaged by something other than a collision – fire, theft, hail, vandalism, flood, hit an animal (deer), tree falls, etc.  Any payout is subject to your deductible. 

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  • Medical Payments Coverage

    • Medical payments coverage can help pay for medical expenses for you or your employee and any passengers in the event of an accident (medical treatments and rehabilitations, dental care or funerals)

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  • Uninsured/Underinsured Motorist Coverage

    • Uninsured/underinsured motorist coverage protects you or your employee and passengers against the damages you are legally entitled to receive for bodily injury or property damage when the “at fault” driver doesn’t have insurance or if his/her limits are inadequate

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  • Rental Car Coverage

    • Rental car coverage offers liability coverage while you or your employees are driving a rental vehicle for business. Many rental companies have loss damage waivers or a collision damage waiver that you can sign to avoid paying for property damage to a rental car.

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  • Personal Injury Protection Coverage or “No-Fault Insurance”

    • Personal injury protection (PIP) is available in certain states, including New York.  This coverage protects you or your employees in the event you or your employee are disabled or unable to work due to an auto accident.  This coverage also extends to passengers.

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  • Hired and Non-Owned Auto 

    • Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employee are involved in an accident with a personal, rented or leased car used for business errands

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Commercial Auto Insurance Blog Posts

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