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Genesee Valley Agency

22 Main St PO Box 464
Arkport, NY 14807

New York Commercial Auto Insurance Coverage

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Commercial Auto in New York

Below are explanations of some of the basic coverages found on most commercial auto insurance policies. Please don’t hesitate to get in touch with us at the Genesee Valley Agency if you have any questions or need further information about any of these coverage types.

Liability Coverage

Liability coverage protects your business and the driver of your vehicles if there is an accident where an employee is found to be the cause of the incident. This coverage protects your business by making payments on its behalf to any injured party in the accident. It also covers property damage that may result from the accident. By using this type of coverage, you can prevent your company and its assets from being used as leverage to pay off any damages from an accident involving company vehicles.

You can never have full control over your employees or the vehicles they operate, and a split second can result in an automobile accident that you have to deal with. If you or your employee is the cause of this accident, others can press charges that can damage your company and cause you to pay for the incident, but this coverage makes things easier. At the Genesee Valley Agency, we understand that accidents can’t always be avoided, but we want to let you know that you can control how the aftermath plays out. If you’d like more information about liability coverage, get in touch with our team with questions or concerns.

Comprehensive Coverage

Comprehensive coverage pays for vehicle damages caused by incidents apart from vehicle collisions. These incidents can range from theft to fires, floods, windstorms, vandalism, or other common damaging accidents. We can never account for all of the risks in the world, and there are countless possibilities to consider. Natural disasters can’t be avoided, but this coverage protects your business from paying for vehicle damage as a result. Likewise, if an animal were to damage your vehicles, comprehensive coverage pays for the repairs so you don’t have to.

Apart from crashes and collisions, your company’s cars can be damaged in many other ways. In fact, the amount of different risks that vehicles face simply by existing is daunting to consider. However, with comprehensive coverage, all possibilities are accounted for. Whether your company’s vehicles experience damage from the weather, wildlife, or malicious people, you can rest easy knowing that you have a plan that will cover the damages.

Collision Coverage

Collision coverage pays for damages to company cars from the main source of damages – automobile accidents. When people think about auto insurance, this is the main type of coverage that comes to mind. Accidents happen every day, and if your company cars happen to be caught up in an incident, this type of coverage is what you need. One variable that remains consistent throughout most automobile accidents is that the repairs can be expensive, but collision coverage can help ease the burden on your company. Paying for insurance now can help you when disaster strikes, especially when you can’t control the disaster.

It’s impossible to tell whether or not you are at risk for an automobile accident because they can happen to anyone. However, as a responsible business owner, you can take the necessary preparations to keep your company safe if anything happens to your vehicles. At the Genesee Valley Agency, we can help you by explaining all of the available options for your business and providing some recommendations based on the number of cars you employ and the frequency in which they are used. There are many factors to consider when signing up for commercial auto insurance, but we can make sure you don’t miss any important information when seeking out a policy.

Hired/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles? Many companies operate vehicles without actually owning the assets in order to cut overhead costs and make budgeting easier. This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). If you fall into one of these categories, you are not alone, and the Genesee Valley Agency has a solution for you. Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy. Whatever your situation may be, we have you covered.

Owning a business is enough work as it is without having to worry about the vehicles your employees are driving. And on top of that, businesses also require business owner’s insurance, which can be a beast of its own. When it comes to insuring all of your assets it’s important to work with a professional like the Genesee Valley Agency to make sure you check all of the boxes. A mistake in insurance selection can break you if an emergency occurs, so keep your business safe and prepared for anything by contacting our team today.

Get In Touch For More Information About Commercial Auto Insurance

Although commercial auto insurance is very similar to basic auto insurance, there are a few key differences that you need to consider when selecting a policy. At the Genesee Valley Agency, we have experience working with both individuals and business owners when it comes to auto insurance, and we can help you with whatever you need. We can explain the different options that you have, answer any of your specific questions, and even provide recommendations for how your business should proceed. Just let us know how we can help, and we will be there for you!


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  • New York