Commercial Auto Insurance in Rocky Point, NY
Vehicles used for work face different risks than personal cars. From transporting tools and equipment to making client visits, every trip carries potential liabilities that could impact your business. Commercial auto insurance is designed to help with the financial side of accidents, damage or other vehicle-related incidents tied to your operations.
Whether you rely on a single company car or manage a fleet, this type of coverage can be tailored to match how and where you drive.
Coverage That May Align With Your Operations 
A commercial auto policy often combines several coverages to help address the risks your business vehicles face. Depending on your needs, your policy may include the following coverage options:
- Liability coverage may help pay for injuries or property damage to others if one of your drivers is at fault.
- Collision coverage may assist with repair or replacement costs if a business vehicle is damaged in a crash.
- Comprehensive coverage may help with losses caused by theft, vandalism, fire or severe weather.
- Medical payments coverage may help with medical expenses for the driver and passengers after a covered accident.
- Uninsured/underinsured motorist coverage may help if your vehicle is hit by someone with little or no insurance.
Optional add-ons such as hired and non-owned auto coverage, towing reimbursement or rental vehicle coverage may also be available.
Who May Need Commercial Auto Insurance
If your business owns, leases or regularly uses vehicles for work-related purposes, this coverage is often necessary. It’s also relevant if employees use personal vehicles for deliveries, service calls or client meetings, as personal auto insurance may not fully cover business use.
Start Your Quote
Metro Insurance Agency helps businesses in Rocky Point, NY compare commercial auto insurance options that align with their industry, vehicle type and driving patterns. Contact us today to request a personalized quote.