Commercial Auto Insurance in Ballston Spa, NY & Saratoga Springs, NY
Commercial Coverage, Inc. is dedicated to its customers, and we’re the place where business owners throughout Saratoga Springs and the upper Hudson Valley come when they are looking for optimized commercial insurance benefits.
Any business that owns vehicles or hires employee drivers must recognize the liabilities associated with these vehicle operations. Only with a customized commercial auto insurance policy will your company be able to withstand the challenges that might arise at any time and impact your bottom line.
Just call us at 518-602-2020 or request your free commercial auto insurance quote today to learn more.
Common Commercial Auto Insurance Questions
What is commercial auto insurance?
When a business owns vehicles or allows employee drivers to operate on the company’s behalf, then the business has an interest in seeing that all travel goes off smoothly. However, you can’t avoid the fact that at times, accidents will happen that are beyond your control.
Therefore, if you are a business owner who operates vehicles of any kind, then you need commercial auto insurance. It will contain coverage options that are specifically designed for businesses. It will provide them with the financial assistance they need to recover from the ramifications of unexpected vehicle accidents.
What does a commercial auto policy cover?
The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:
Hired/Non-Owned Auto Liability Insurance: This liability coverage extends to vehicles not owned by the business but used by them for business purposes. These might include employees’ personal cars or vehicles that you rent or hire to use temporarily.
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments/Personal Injury Protection:If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Additionally, other policies and endorsements might help you expand your benefits, such as:
Who needs commercial auto insurance?
Numerous vehicles might need commercial auto insurance, including:
Vehicles owned by a business
Employees who drive their personal cars on business-related errands
Company cars provided to employees for commercial and private use
All policies issued in New York must meet all minimum standards set by New York law.
Commercial truckers and others must also meet standards set by the Federal Motor Carrier Safety Administration (FMCSA).
Speak to your agent to learn more about your coverage needs.
How much does commercial auto insurance cost?
Numerous factors can influence the cost of your commercial auto policy, including the size of your business, the number of vehicles you want insure and where you are located.
We understand that you want to get as affordable of a commercial auto policy as possible, and our commitment to you is that we’ll help you get the perfect combination of coverage so that you are always paying the right price for only the right amount of benefits.