Business Auto Insurance Information

Premium Business and Commercial Insurance Across the Capital District New York Area

Servicing Albany, Saratoga, Schenectady, Warren & Washington counties

Commercial Vehicle Insurance for Upstate New York Businesses

Even small businesses require a hefty amount of insurance coverage. Insurance to cover the property, the employees, the clients and even the cars are all a necessary part of protecting your business’ assets. Cote Insurance agency works with the top insurance carriers to find Capital District NY business owners the commercial car insurance they need to drive safely and follow NYS law without worrying about incidents making a dent in their pocket books.

What Does Commercial Car Insurance Cover?

Commercial auto insurance, also known as business car insurance or commercial car insurance, provides similar coverage to personal auto insurance. This includes:

• Comprehensive Coverage: This coverage pays for damages incurred from incidents not involving collision such as hittind an animal, fire, wind storms, hail and more.
• Collision Coverage: This coverage pays for damages incurred from a collision with another car or object.
• Liability: We recommend that commercial vehicles carry at least $500,000 in liability coverage to pay for bodily injuries, property damage and other claims filed due to an accident you or your employees cause.
• Bodily Injury Coverage: This coverage helps pay for medical expenses for the victim and their passengers in case you or your  employees cause a wreck.
• Personal Injury Protection (PIP): This covers medical expenses and sometimes lost wages no matter who causes the accident.
• Uninsured/ Underinsured motorist: This helps to pay for damages when you get in a accident with another driver who doesn’t have enough insurance or doesn’t have any.

Does New York Require Commercial Car Insurance?

In New York, every vehicle must be insured with minimum requirements.  Commercial autos, trucks, and vans are no exception.

Does Commercial Auto Cover Personal Use?

Generally, commercial car insurance will cover personal use, but not the other way around. Personal car insurance usually won’t apply when you or an employee are driving personal vehicles for business purposes, which is why it’s important to have commercial car insurance.

Can I Get Commercial Car Insurance for Only One Car?

You can get commercial auto insurance for one vehicle or a fleet of cars, so long as they are used for business purposes.

Get Insured Today!

Visit your local, friendly agents at any location of Cote Insurance Agency today to find a quote that’s right for you,  your company and your pocket book. From Clifton Park, Glens Falls, Corinth, Schuylerville and beyond, Cote Insurance has served over 30,000 satisfied customers. Call us or fill out an online quote form today!

General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

• Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
• Property Damage coverage for the physical damage to property of others or the loss of use of that property
• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
• Contractual Liability extends to any liability you may assume by entering into a variety of contracts
• Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Our agents are here to serve you and to ensure that you get the insurance coverage that you need at an affordable price. Whether auto, home, life, or business insurance, our agents are here for you. Contact us today or fill out an online quote now.