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Commercial Auto Insurance

Work trucks, vans, and the people who drive them. Commercial auto insurance from Eastern Shore Insurance Agency keeps your vehicles on the road and your business protected when they are not.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Work vehicles, real-world risks

Commercial auto coverage keeps your business protected when the road does not cooperate.

Your delivery van rear-ends a car in a lake-effect whiteout.

Liability coverage handles the other driver's injuries and vehicle.

An employee runs a work errand in their own car and causes an accident.

Hired and non-owned auto coverage protects your business from the claim.

A deer totals your service truck on Route 481.

Comprehensive coverage pays to replace it.

What Commercial Auto Insurance Covers

New York requires liability coverage on business vehicles, and a personal auto policy will not cover business use. Commercial auto fills the whole picture

Liability

Injuries and property damage your vehicles cause to others.

Physical damage

Collision and comprehensive for your own vehicles, including glass, theft, and animal strikes.

Hired and non-owned auto

Protection when employees drive personal or rented vehicles for work.

No-fault and medical

New York PIP benefits for injuries regardless of fault.

Uninsured and underinsured motorist

Protection when the other driver cannot pay.

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Who Needs Commercial Auto Coverage

If vehicles are part of how the work gets done, a personal auto policy will not carry the risk.

Businesses with owned vehicles

Trucks, vans, and cars titled to the company.

Employers whose staff drive personal cars

Hired and non-owned coverage protects the business.

Fleets on New York roads

Winter driving exposure rated for the conditions we actually face.

Contractors hauling tools and trailers

Coverage that follows the work to the job site.

We build fleet and single-vehicle programs for contractors, transportation companies, farms, and restaurants that deliver.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Who Needs Commercial Auto Coverage

If vehicles are part of how the work gets done, a personal auto policy will not carry the risk.

Businesses with owned vehicles

Trucks, vans, and cars titled to the company.

Employers whose staff drive personal cars

Hired and non-owned coverage protects the business.

Fleets on New York roads

Winter driving exposure rated for the conditions we actually face.

Contractors hauling tools and trailers

Coverage that follows the work to the job site.

We build fleet and single-vehicle programs for contractors, transportation companies, farms, and restaurants that deliver.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Which coverage do I need?

Serious auto accidents are the most common source of catastrophic business claims. Limits matter here.

Commercial Auto

Vehicles owned or used by the business, and their drivers.

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Personal Auto

Your personal vehicles. Business use is typically excluded.

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Commercial Umbrella

Extra limits above your auto liability when a claim gets big.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Commercial Auto FAQs

Quick answers to common questions from businesses with vehicles on the road.
No. Personal policies exclude most business use, and a denied claim after an accident is the worst possible time to find out. If a vehicle is titled to the business or used regularly for work, it belongs on a commercial policy.
New York requires liability, no-fault, and uninsured motorist coverage on registered vehicles. Most businesses carry far more than the state minimums, because the minimums do not survive a serious accident.
Their cars carry their own insurance, but your business needs hired and non-owned auto coverage for the liability that lands on you when they drive for work. It is inexpensive and we include it in most programs.
Cost depends on vehicle types, radius, drivers, and claims history. Request a quote and we will shop your fleet across our carriers.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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Related coverages

General Liability

Everyday protection for your business.

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Workers' Compensation

Protect your employees and support their recovery.

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Commercial Umbrella

Extra liability protection when you need it most.

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Inland & Ocean Marine

Coverage for property on the move.

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Contractors · Transportation · Farms & Ranches

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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