Commercial Auto Insurance

What Auto Insurance do I need for my business in Westchester County, New York?

•As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments, personal injury protection, and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do, the registration name of the vehicle and whether or not you have employees. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

Some classes of Business Auto include:

•  Contractors (Carpenter, electrician, Plumber/HVAC, etc.) 

•  Computer programmer/technician

•  Real estate

 •  Delivery Service

•  Long Haul Trucking

•  Driving Instructors

***Don't forget to add a Commercial Umbrella to extend your business liability coverage over your general liability, employers liability and automobile policies.