Commercial Auto Insurance

With almost 150 years of experience in providing auto insurance across New York State and Long Island, we are experts when it comes to solving the insurance needs of business owners. While we recognize price is important, we know auto accidents can be physically and financially devastating.  It is our job to help you understand coverage and the importance of adequate limits to protect your business.

A commercial auto policy is designed to protect the business assets and the owner if an auto claim were to arise during business related travel. 

Call us for free, non-obligatory quotes Monday-Friday from 8:30am-4:30pm or send us an email at your convenience to kbrekne@brcinsurance.com.

Commercial Auto Coverage

Commercial Auto Coverage

  • Comprehensive and Collision
  • Emergency Roadside Assistance
  • Liability
  • Medical Payments
  • Loss of Earnings
  • Uninsured Motor Vehicle

If you and/or your employee(s) use a personal auto in the course of business, be sure to discuss Hired & Non-Owned coverage with a licensed agent to be sure you are properly protected - some personal auto policies will exclude coverage if an accident occurs in the course of business.

Commercial Auto Insurance Symbols

Symbol 1 - Any Auto

Coverage for any auto used for business operations. Includes vehicles the insured owns, doesn’t own and hires for business operations.

Symbol 2 - Owned Autos Only

Only covers vehicles owned by the business.

Symbol 3 - Owned Private Passenger Autos Only

Only covers private passenger vehicles owned by the business. Excludes trucks, buses, etc.

Symbol 4 - Owned Autos, Other Than Private Passenger Autos Only

Only covers non-private passenger vehicles owned by the business like trucks, buses, etc.

Symbol 5 - Owned Autos Subject to No Fault

Symbol 6 - Owned Autos Subject To A Compulsory Uninsured Motorists Law

Symbol 7 - Specifically Described Autos

Only covers vehicles specified on the insurance policy.

Symbol 8 - Hired Autos Only

Only covers vehicles rented, leased, borrowed or hired for the business.

Symbol 9 - Non-owned Autos Only

Only covers vehicles the business does not own, lease, borrow or hire used in the course of business. For example, if an employee uses their own car to run a company errand.


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