If your vehicles are used for business, personal auto coverage may not be enough. PRK Insurance Agency, Inc. helps you compare commercial auto options and protect your drivers, vehicles, and liability.
Commercial auto insurance helps cover vehicles used for business purposes. It can protect your business against accidents, liability claims, and vehicle damage while on the job.
If a vehicle is used for deliveries, transporting tools, carrying passengers for work, or driving under a business name, commercial coverage may be required to avoid coverage gaps.
Coverage may include liability, collision, comprehensive, medical payments, and uninsured motorist options. The right coverage depends on your vehicle use and business risk.
Policies can be structured to cover listed drivers, permissive use, or specific business operations. Clear driver rules help reduce risk and protect your business.
If your business rents vehicles or employees use personal cars for work, hired and non-owned auto coverage can help protect your business from liability claims.
Pricing depends on vehicle type, usage, radius, driver history, coverage limits, deductible, and claims history. We help you compare options to find the best fit.
Commercial auto coverage should match how your vehicles are actually used. Since 2004, PRK Insurance Agency, Inc. has helped New York businesses compare trusted options and choose coverage that protects drivers, vehicles, and liability without confusion. Based in Melville, NY, our team provides clear guidance, responsive support, and coverage built around your operations.
Get clear answers to common commercial auto insurance questions, including what’s covered, when it’s required, and how to protect business vehicles and work related driving in New York.
Commercial auto insurance can include liability, collision, comprehensive, medical payments, and uninsured motorist coverage, depending on your policy and business use.
If you use a vehicle for business use such as deliveries, transporting tools, or driving under a business name, personal auto may not be enough and coverage gaps can occur.
Many policies can cover employees who drive company vehicles, depending on driver listing and policy structure. It’s important to set up coverage correctly for your operations.
Hired and non-owned auto coverage helps protect your business if you rent vehicles or if employees use their personal cars for business purposes and an accident occurs.
It can cover both. Commercial auto can provide coverage for the vehicle and liability related to the business operations, depending on the policy terms and driver rules.
Tools and equipment may require separate inland marine or business property coverage. Some policies may offer limited coverage, but it varies by carrier.
Coverage can apply to cars, vans, trucks, and certain specialty vehicles used for business. Eligibility depends on vehicle type and business use.
Pricing depends on vehicle type, usage, miles, driver records, business operations, coverage limits, deductible, and prior claims.
Yes. Businesses with multiple vehicles can often use a commercial auto policy designed for fleets, depending on size and operations.
Yes. PRK Insurance Agency, Inc. helps New York businesses compare commercial auto coverage options and choose the right policy with clear guidance and fast support.
