01
Personal auto usually won’t pay for work trips
Most personal policies exclude vehicles used for business. If you’re making a delivery or driving to a job site when an accident happens, the claim can be denied — leaving your business to pay.
Commercial auto · NY & NJ
Your vans and trucks earn the money. Are you overpaying to cover them?
Did your commercial auto renewal jump? Some NY carriers have raised rates 30% or more this year, and NJ costs are rising too. Take the 60-second quiz and a licensed agent will show you where you stand. Free, no obligation.
Start the 60-second quiz- Licensed NY & NJ agents
- Free, no-obligation call
- 1 vehicle to 11+ fleets
Quick read · 1 minute
3 things business owners learn too late
02
What you do decides what you need
A contractor’s pickup, a delivery van, a for-hire passenger vehicle and an interstate truck each need different coverage and filings. Being rated for the wrong use is one of the most common reasons premiums jump — or claims stall.
03
Waiting until renewal week costs you options
Underwriters often ask for driver details and claims history before quoting. Starting 30–60 days before renewal gives an agent time to compare carriers instead of rushing you into whatever’s available.
The good news: a short conversation with the right agent can tell you whether you’re properly covered — and whether you’re overpaying. The quiz below makes sure you speak to someone who handles exactly your situation.
See if you qualify in 60 seconds
5 quick questions — just tap your answers.
Question 1 of 5
How it works
- 1
Answer 5 quick questions
Takes about 60 seconds. Just your name and number — no email required.
- 2
Call and speak to an agent
Talk to a licensed agent who works with NY and NJ commercial auto every day.
- 3
Get clear answers
Find out what coverage fits how you actually use your vehicles — no obligation.
Make your call count
The more the agent knows, the faster they can give you real answers. Gather what you can before you dial.
Before you call, have these handy
- Your current declarations page (if insured)
- Number of vehicles, with year, make, model and VIN
- Driver names, dates of birth and license numbers
- Where vehicles are garaged overnight (ZIP code)
- USDOT / MC number, if you have one
Don’t have everything? Call anyway — the agent can start with what you know.
Call recording disclosure: Calls may be recorded and monitored for quality assurance, training, and compliance purposes. By placing a call, you consent to this recording. Learn more · Privacy Policy
Special report · New York & New Jersey drivers
Why Commercial Auto Insurance Protects Your Vehicle, Your Money, and Your Job
What if one bad day took everything?
You drive for work. Your truck is how you get paid. Now picture this: you get in a crash, and your insurance says, “Sorry. We don’t cover work driving.”
Who pays then? You do. Out of your own pocket. This short report shows how to make sure that never happens.
Your car insurance may not protect you at work
Most people have personal car insurance. It is made for driving to the store, to school, or to a friend’s house.
Work driving is different. When you haul goods, carry customers, or drive a work truck, the risk is bigger. Many personal policies will not pay for a crash that happens on the job.
That is a big gap. And most drivers do not find out until it is too late.
What commercial auto insurance does for you
Commercial auto insurance is made for work vehicles. It is your safety net. Here is what it can do:
- Pays for the other driver’s damage and injuries if the crash is your fault
- Fixes or replaces your truck or van after a crash, theft, or fire
- Pays for your legal bills if someone sues you
- Covers drivers you hire so one mistake does not sink the business
- Helps you keep working instead of losing weeks of pay
Specific coverage depends on the policy, so always ask what is in it.
What one crash can cost you
A serious crash can cost hundreds of thousands of dollars. Hospital bills. A wrecked truck. Court fees. Lost work.
Without the right insurance, you may have to sell your truck, drain your savings, or close your business. With it, you make one phone call, and your insurance company handles the rest.
The insurance costs a little each month. The crash can cost everything. That is a trade worth making.
Why it matters even more in New York and New Jersey
The roads in New York and New Jersey are some of the busiest in the country. More cars means more chances for a crash.
If you drive a work vehicle here, you share the road with thousands of drivers every day. You also may need to meet your state’s insurance rules, and those rules can change with the type of vehicle and the type of work. A good agent can tell you exactly what you need.
Do this today
Call us and you will be connected to an agent.
It is quick. It is simple. There is no cost to find out where you stand. Answer 5 quick questions and we’ll show you the number to call.
Start the 60-second quizDo not wait for a crash to learn you were not covered. Call today.
P.S. Every day you drive without the right cover, you are taking the whole risk yourself. One call fixes that.
Coverage and rules vary by policy and state. Ask an agent for details.