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Agency Insurance Brokers
41 Broad St
Plattsburgh, New York 12901
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(518) 561-1000
TF: (800) 562-0228
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Commercial Auto Insurance for Cars, Trucks and Vans

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Commercial Auto Insurance for Cars, Trucks and Vans

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Please Note: All Policy Changes & Quote Requests are NOT bound until communicated to you.

Business Auto Insurance

Running a business in the North Country means your vehicles are on the road every day, whether you're a solo consultant driving between client meetings or a growing company managing a fleet of trucks and specialty vehicles. Commercial auto insurance can help protect those vehicles and the people who depend on your business when something goes wrong on the road.

At Agency Insurance Brokers, our local agents work with business owners across Plattsburgh, Saranac Lake, Ticonderoga and Rouses Point to sort through commercial auto options that actually fit how their vehicles get used. We take time to understand your operation before recommending coverage, because a landscaping company hauling equipment has very different needs than a delivery service running multiple routes through the Adirondacks.

Who Needs Commercial Vehicle Coverage

Your business may need commercial auto insurance if any of the following applies:

  • Your business owns or leases cars, vans or trucks
  • Employees drive vehicles that belong to or are borrowed by the business
  • Non-employees ride along in company vehicles for business purposes
  • Your vehicles are used to transport tools, inventory or equipment

Personal auto policies typically exclude business use, which can leave a real gap in protection if a work related accident happens. Commercial auto coverage is built specifically to help address liability claims, property damage and other exposures tied to vehicles used for business.

Coverage Built Around Your Fleet

Whether you have a single pickup truck or a fleet spread across our Plattsburgh, Saranac Lake, Ticonderoga and Rouses Point service areas, we can help you compare options from multiple insurance companies so you're not stuck with a one size fits all policy. Many business owners in our region also pair their auto coverage with commercial general liability insurance to help round out protection against everyday business risks that go beyond the road.

We know the roads, weather and business landscape here in northern New York, and that local knowledge shapes how we help you think through coverage limits, driver protections and vehicle schedules. Our team is available across all four office locations to walk through your options in plain language, without the insurance jargon.

Let's Talk About Your Business Vehicles

If you're ready to explore commercial auto coverage that can help protect your business, your employees and the vehicles you rely on every day, we'd like to help. Get a Quote today, or Contact Agency Insurance Brokers to speak with a local agent who understands what businesses across the Plattsburgh region need from their commercial auto policy.

Frequently Asked Questions:

What does business auto insurance typically cover?

Business auto insurance can help protect vehicles used for business purposes. This type of policy may cover liability for bodily injury and property damage if you're at fault in an accident while driving a company vehicle. It can also help with the costs of repairs or replacement if a covered incident causes damage to your company vehicle. Additionally, business auto insurance may offer coverage for medical expenses and uninsured motorist coverage, which can help if you're involved in an accident with a driver who doesn't have sufficient insurance. For more specific information about how business auto insurance can meet your needs, it's best to contact an agent at Agency Insurance Brokers. They can help you understand your options and ensure you're appropriately covered.

Do I need business auto insurance if my employees occasionally use their personal vehicles for work tasks?

If your employees use their personal vehicles for work-related tasks, you may want to consider business auto insurance. While personal auto policies might cover some personal use, they typically do not cover incidents that occur while driving for business purposes. Business auto insurance can help protect you in situations where an employee's personal vehicle is involved in an accident while performing work tasks. It's important to understand the risks and ensure you're properly covered. To get more information and discuss options suitable for your business, reach out to an agent at Agency Insurance Brokers. They can help you evaluate your specific needs.

How does business auto insurance differ from personal auto insurance?

Business auto insurance and personal auto insurance serve different purposes and offer distinct types of coverage. While personal auto insurance is designed to cover vehicles for private use, business auto insurance can help protect vehicles that are used for business activities. This includes coverage for vehicles owned by a business or used by employees for work tasks, which personal policies typically do not cover.

Business auto insurance may also offer higher liability limits to accommodate the increased risks associated with commercial driving. It can help cover instances such as transporting goods or clients, which are generally not covered under a personal auto policy. To better understand which type of coverage is suitable for your needs, it's a good idea to contact an agent at Agency Insurance Brokers. They can provide insights tailored to your specific situation.

Do you have questions about Business Auto Insurance?

Contact an insurance agent at Agency Insurance Brokers today to answer any questions about Business Auto Insurance or for a free review and insurance quote for Business Auto Insurance. And don't forget, as an independent insurance agency, we represent several top rated insurance companies. We have the flexibility to help you find coverage at competitive premiums for business, home, auto, and more.

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Please Note: All Policy Changes & Quote Requests are NOT bound until communicated to you.

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Please contact us for more information.