Serving Manhattan, The Bronx, Queens, Brooklyn, and Staten Island
Small businesses are the lifeblood of most communities. Almost every small business has to use a vehicle one way or another to make that business work. Some small businesses are solely in the transport business like a taxi, airport van or tour bus. A dry cleaner might use a van to make deliveries even if most of the business in done in shop. A florist might be in the same situation.
If you own or manage a small business, you probably need some type of commercial auto or vehicle insurance coverage. If you are looking for the right type of auto insurance to meet your needs in New York City, call us today.
Special Small Business Auto Insurance
The type of policy you need or the combination of policies will depend on your use of the vehicle. If your van or car in on site at a customer location no matter the purpose, you need Liability Insurance. You must make sure you have enough liability coverage to protect your business and your assets. You never know what might happen. Your van could slip out of park and roll into the side of your customer’s building. You need to be covered.
If you are in the transport business or merely transport people as part of your normal business activities, you need additional liability coverage. You need to make sure you have high enough limits to cover multiple claims, for example. One accident could injure a number of people. Higher limits will give you security and peace of mind. Don’t be without enough insurance when you need it the most.
You may use a trailer in your business. If you do, you can choose a Single Deductible Endorsement policy. Then, if both your vehicle and trailer are damaged in one accident, you only pay one deductible and not several. This is a great way for you to save time, problems, and money.
Self employed? Then you should consider extra Medical Payments coverage in your small business commercial auto policy. If you are out driving a lot, the chances of an accident increases and with the high cost of medical bills today, you want to make sure you are well covered.
Typical Small Business Auto Insurance Coverage
Most small businesses using cars or trucks in their business need a full spectrum of insurance coverage. This will include:
- Liability Insurance for both Bodily Injury and Physical Damage
- Collision and Comprehensive Insurance
- Uninsured and Underinsured Motorist Insurance
You may also consider other insurance such as:
- Motor cargo insurance
- General Liability insurance
- Excess or Umbrella insurance
The only rule of thumb is to make sure you have enough insurance to cover the worst case scenarios.
The key consideration for you in buying insurance is reducing your risks. You don’t want to lose your business or your assets as a result of having too little insurance. You can get the right coverage at the right price after consulting with a professional insurance agent.
Call us today.