Commercial Auto & Fleet Insurance

Protection for Every Mile Your Business Drives
Commercial Auto Insurance in New York
In New York, your business vehicles don’t just move goods — they move your entire operation forward. Whether you’re delivering food in the Bronx, hauling tools through Brooklyn, or transporting clients across Long Island, every mile driven is a liability exposure.
Commercial Auto Insurance ensures that your vehicles, your drivers, and your bottom line are fully protected — no matter what’s down the road.
At United Coverage, we specialize in building strategic, customized auto policies that meet the demands of New York businesses.
What Is Commercial Auto Insurance?
Commercial auto insurance is designed to protect vehicles used for business purposes — not personal use. It covers:
Owned vehicles, leased, rented, or borrowed
Drivers employed by your company
Liabilities and damages caused during business use
It’s legally required in New York if your business owns and operates vehicles — but basic minimum coverage isn’t enough. One accident can derail your entire operation without proper limits and endorsements in place.
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What Types of Vehicles Are Covered?
We insure the full spectrum of commercial vehicles, including:
Service-Based Vehicles
- Cargo vans (plumbers, HVAC, electricians, etc.)
- Pickup trucks (contractors, landscapers, roofers)
- Utility trucks and work trucks
- Bucket trucks and boom lifts
Delivery & Transport Vehicles
- Box trucks
- Refrigerated trucks
- Delivery vans
- Light-duty and medium-duty trucks
Food & Hospitality Vehicles
- Food trucks
- Catering vans
- Beverage delivery vehicles
Business-Use Passenger Vehicles
- Company cars for sales reps or managers
- Executive SUVs or sedans
- Real estate or client-transport vehicles
Transport & Passenger Vans
- Shuttle vans
- Ride-share and NEMT (non-emergency medical transport)
Specialty Vehicles
- Trailer units (enclosed, flatbed, landscape)
- Towing and roadside service vehicles
- Mobile service units (barbers, mobile detailing, etc.)
If it has wheels and moves your business forward, we can insure it.
What Does Commercial Auto Insurance Cover?
A proper commercial auto policy goes far beyond just liability. Here’s what we typically build into your program:
Liability Coverage (Required)
• Covers bodily injury and property damage you cause to others.
• State minimums are not enough — we recommend $1M limits minimum for most operations.
Collision Coverage
• Pays to repair or replace your vehicle after a crash, no matter who’s at fault
Comprehensive Coverage
• Covers damage from theft, fire, vandalism, glass breakage, falling objects, and more
Medical Payments / PIP (Personal Injury Protection)
• Covers medical expenses for you and your passengers, regardless of fault
Uninsured/Underinsured Motorist
• Protects your business if your driver is hit by someone with no insurance or low limits
Hired and Non-Owned Auto (HNOA)
Covers liability for:
• Employee-owned vehicles used for work (e.g. personal cars used for deliveries)
• Rented or borrowed vehicles
Rental Reimbursement
• Covers the cost of a temporary vehicle while yours is in the shop after a covered loss
Towing & Roadside Assistance
• Emergency towing, jumpstarts, fuel delivery, and lockout services
Who Needs Commercial Auto Insurance?
If you answer YES to any of these, you likely need a commercial auto policy:
- Do you or your employees drive to job sites or deliver goods?
- Do you transport tools, equipment, or products?
- Is the vehicle titled in your business name or under an LLC?
- Do you use the vehicle for anything other than commuting to one job site?
Real-life examples:
- A florist using a personal van for deliveries? Needs HNOA.
- A contractor hauling gear in a pickup? Needs full commercial auto.
- A real estate agent driving clients around? Should have at least business-use endorsement if not full commercial coverage.
Common Endorsements and Add-Ons
Depending on your business, we may recommend:
- Drive Other Car Coverage (DOC) – for executives without personal auto policies
- Additional Insured Endorsements – required if you’re working for GCs, vendors, or municipalities
- Fleet Management Tools – discounts for telematics tracking or driver safety programs
- Garagekeepers Liability – for auto shops storing customer vehicles
- Trailer Interchange Coverage – for businesses hauling third-party trailers
We don’t just sell you coverage — we engineer policies that align with your operations and risk tolerance.
TOP TIER CARRIERS
We shop top-tier carriers like Progressive, The Hartford, Travelers, Nationwide, and non-admitted markets to get you the right price with the right coverage.
Why United Coverage?
You don’t need just another insurance agent. You need a partner who understands the real risk behind the wheel. That’s what we bring:
- Deep expertise in contractor, restaurant, and fleet-based operations
- Smart structuring for small and growing fleets
- Fast COI turnaround and 24/7 certificate access
- Real human support — not call center runarounds
- Proactive renewal reviews and risk reduction strategies
Whether you operate one truck or fifty, we’ll tailor a program that keeps your business rolling and protected.
Get Your Commercial Auto Quote Now
One distracted driver. One rainy day. One fender bender can turn into a six-figure lawsuit.
Don’t leave your business exposed.
Get a custom quote from United Coverage today — fast, thorough, and pressure-free.
Let’s Talk Coverage That Works
