The Importance of Commercial Auto Insurance in New York

✍️ By Joel Goldman | WBN News USA | July 30th, 2025 |

If your business uses vehicles for deliveries, transporting goods, or visiting clients, commercial auto insurance isn’t just smart—it’s legally required in New York. Without proper coverage, one accident could expose your business to steep fines and major financial losses.

Who Needs It?
You need commercial auto insurance if your vehicle is used for business tasks like deliveries, transporting tools, or meeting clients. Even personal vehicles used for work should be covered under a Hired and Non-Owned Auto (HNOA) policy, as personal insurance usually excludes business use.

What It Covers
A well-designed policy includes:

·       Liability coverage (mandatory)

·       Personal Injury Protection (PIP) for medical costs

·       Uninsured Motorist Coverage

·       Optional add-ons like collision, comprehensive, medical payments, towing, and cargo protection

These options ensure your vehicle, goods, and employees are protected no matter what happens on the road.

Why It Matters
Driving uninsured in New York can lead to fines up to $1,500, license suspension, and a $750 reinstatement fee. More importantly, your business could be held fully liable for damages and injuries caused in an accident.

How Much It Costs
On average, New York businesses pay about $172/month for commercial auto coverage. Rates vary based on your vehicles, industry, and location—but Starisks Insurance helps you compare options and get affordable, tailored protection.

Get Covered with Confidence
At Starisks Insurance, we make it easy to get the right coverage. Whether you operate a food truck, delivery service, or use your personal car for work, we’ll help you stay protected, compliant, and ready for the road.

Joel Goldman | Insurance and Financing Advisor

At Starisks Insurance, Joel helps individuals and business owners navigate risk with tailored commercial, personal, and specialty coverage. Through HMMB Funder LLC, he provides fast, flexible hard money loans to fund real estate deals, renovations, and investment opportunities.

🌐 Starisks Insurance Website

🌐 HMMB Funder LLC Website

📩 Email: joelg@starisks.com

📞 Phone: +1 929-520-9596

🔗 LinkedIn: Joel Goldman

▶️ YouTube Channel

👉 Book Your FREE Initial Consultation via Calendly: Book Now

TAGS:

#Commercial Auto Insurance, #NY Business, #Fleet Insurance, #Starisks Insurance, #Insurance Compliance, #Business Coverage, #Joel Goldman

Editor for WBN: Chris Sturges  

Subscription to WBN and being a Contributor is Free.