Business Auto Insurance

New York Business Insurance

NY Business Insurance

Commercial Auto Insurance

New York Commercial Auto Insurance

NY Commercial Auto Insurance

Commercial Auto Insurance-Business Auto Insurance

Commercial Auto Insurance is mandatory for any vehicle operating in New York State that is owned or operated by a business. This does not mean that you have to have commercial plates. You can have passenger or commercial plates for passenger type cars and you can have commercial plates for Vans, Trucks, Tow Trucks, Box Trucks, Flatbeds etc…

A commercial auto policy is written under the business name and provides protection for the business for any vehicle that is owned or leased by the company. There are a few mandatory coverage’s and a few optional coverage’s.

Typical Mandatory Coverage’s:

Bodily Injury Liability

Coverage for damages that involve bodily injury to others for which you become responsible under law. This coverage provides protection against someone getting injured during an accident.

Property Damage

This section provides coverage for damage to property of others. Damages to other cars, buildings or any other physical property is covered.

Medical Payments

Provides protection for the business for minor medical expenses that might occur for passengers of your vehicles.

Personal Injury Protection

Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided.

Uninsured Motorist

This coverage provides protection against bodily injury claims when the other party in an accident does not have insurance on their car.

Underinsured Motorist

This coverage provides protection again bodily injury claims when the other party does not have enough insurance on their car to cover the damages.

Typical Optional Coverage’s:

Comprehensive

Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.

Collision

Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.

Additional Expense

Provides coverage for any additional expenses that might result because of a claim. Such expenses can be lodging, food etc…

Hired Auto

This coverage provides protection when claims occur with leased vehicles or when using vehicles that are not hired by the business.

Non-Owned Auto

Provides coverage for the business when an employee is using their person vehicle for business purposes.

Additional Services:

DurAmerica Brokerage provides additional services to all commercial auto clients. Some of these additional services include,

Full DMV Services: Obtain plates the next day, duplicate titles, renew registrations etc…

Drivers License Abstracts: We can run drivers license reports for the employees you currently have or are looking to hire

Defensive Driving Courses: We hold defensive driving courses in our offices which can provide your employees with discounts on their insurance and protect the business against claims

Our mission is to educate our clients, that is why thousands of businesses have chosen DurAmerica Brokerage to handle all of their insurance needs. Call us or visit us today by clicking here for a free no obligation review of your insurance needs.

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