Commercial Auto Insurance
Protect Your Business Vehicles, Drivers & Operations
At EZNY Brokerage Inc., we provide customized Commercial Auto policies designed to keep your business protected, compliant, and moving without interruption.
Commercial Auto Insurance covers any vehicle used for business purposes, including:
- Work vans & service vehicles
- Pickup trucks & utility trucks
- Box trucks & small delivery trucks
- SUVs & sedans used for business
- Contractor vehicles (plumbing, HVAC, electrical)
- Company cars for employees
- Food trucks & catering vehicles
It offers broader protection than personal auto insurance and is required
for all vehicles used for business operations.
Essential Commercial Auto Coverages
Liability Insurance (Bodily Injury & Property Damage)
This is the most important coverage and is required by law. Covers:
- Injuries your driver causes to others
- Damage to another vehicle or property
- Legal defense costs
- Settlements and court judgments
Typical limits range from $300,000 to $1,000,000, depending on business requirements.
Physical Damage Coverage (Comprehensive & Collision)
Protects your truck and trailer — essential for keeping your business running.
Covers:
- Accidents & collisions
- Theft & vandalism
- Fire, storms, falling objects
- Damage while parked
Deductibles:
- Usually $1,000 – $5,000, adjustable based on preference.
Medical Payments / PIP (Personal Injury Protection)
Covers medical expenses for your driver and passengers, regardless of who is at fault. Covers:
- Hospital bills
- Ambulance services
- Surgical procedures
- Rehabilitation
- Funeral expenses
Required in many states, including New York
Uninsured / Underinsured Motorist (UM / UIM)
Protects your business if your vehicle is hit by a driver with no insurance or not enough insurance.
Covers:
- Injuries to your drivers
- Passenger injuries
- Hit-and-run accidents
- Underinsured driver collisions
Critical protection in busy areas like NYC and New Jersey.
Hired & Non-Owned Auto Liability (HNOA)
For businesses that use rented, leased, or employee-owned vehicles. Ideal for businesses where:
- Employees drive their own cars for deliveries or job sites
- Companies rent vehicles for short-term use
- Vehicles are borrowed or temporarily used for business
This coverage protects your business, even when the vehicle is not owned by the company.
Collision Deductible Waiver
Waives your collision deductible in certain situations, especially if your vehicle is hit by an uninsured driver.
Useful for fleets with multiple vehicles on the road.
Roadside Assistance & Towing
Optional but important for businesses that depend on timely operations. Covers:
- Towing services
- Flat tires
- Fuel delivery
- Battery jump start
- Lockout services
Industries We Insure
Commercial Auto Insurance is essential for nearly every industry, including:
- Contractors (Electricians, Plumbers, HVAC, Construction)
- Delivery & Courier Services
- Catering & Food Service Trucks
- Retail & Wholesale Distribution
- Real Estate & Sales Professionals
- Cleaning Services & Maintenance Companies
- Corporate & Executive Fleets
- Landscaping & Outdoor Service Businesses
- Mobile Service Providers
If your business uses a vehicle, you need Commercial Auto Insurance.
Why Choose EZNY Brokerage?
- Access to trusted A-rated insurance carriers
- Fast quotes for small businesses and fleets
- Affordable premiums tailored to your needs
- Easy certificate of insurance (COI) issuing
- Guidance on choosing the right limits
- Personalized support from licensed commercial specialists
We understand the unique risks of business vehicles and make sure you’re protected in every situation.