Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business purposes such as cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.

Commercial auto policies tend to have higher coverage limits than personal policies, because business vehicles need more protection in case of accidents.

Commercial auto insurance covers business vehicles for things like:

• Damage to your vehicle(s)

• Driver injury

• Injury to someone else

• Damage to someone else's property

Vehicles covered by commercial auto insurance generally include:

• Cars

• Vans

• Pickup trucks

• Box trucks

• Service utility trucks

• Food trucks

In New York, commercial auto insurance is required for vehicles used for business purposes, such as cars, vans, trucks, and specialized vehicles like food trucks and service utility trucks. This type of insurance provides coverage for vehicle damage, driver injury, injuries to others, and damage to other people's property. New York state law mandates that all motor vehicles operated on public roads must have liability insurance, which includes commercial vehicles. The minimum liability coverage amounts are determined by the state and are typically higher for commercial vehicles compared to personal vehicles, reflecting the greater potential risks and financial responsibilities associated with business operations. Additionally, New York is a no-fault state, meaning that personal injury protection (PIP) is also required, which covers medical expenses, lost earnings, and other reasonable and necessary expenses related to injuries sustained in an auto accident, regardless of fault. Businesses should ensure that their commercial auto insurance policies meet or exceed these minimum requirements and consider additional coverage based on their specific needs.