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New York Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your vehicles with a New York commercial auto insurance policy
Many of New York's 2.4 million small businesses need commercial auto insurance to protect against accidents and other mishaps involving their work vehicles. Personal auto policies typically don't cover vehicles used for business because they're generally exposed to more liability.
Over 1.2 million small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they use vans for their small cleaning service in New York City or operate several box trucks for a floral shop in Buffalo.
Progressive Commercial makes getting the right policy easy. Our team understands New York commercial auto insurance requirements and uses that knowledge to help you find coverage that fits your business. You can start a quote online or call us to speak with an expert.
Trusted by over 1.2 million small businesses across the country
Business auto
Vehicles driven by employees or used for business activities, such as visiting clients or making deliveries, usually need commercial auto insurance. Personal auto insurance typically doesn't cover vehicles used for work purposes.
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Contractors
Contractors need commercial auto coverage for things like transporting various tools and supplies and traveling between job sites. These are business-related activities that need the additional protection of a commercial auto policy.
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Food truck
Food trucks, restaurants, and ice cream vendors rely on their commercial vehicles to deliver products and serve customers. Many also have expensive, permanently attached equipment that a commercial auto policy can help protect.
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For-hire livery
Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines, and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles might also require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nation,Δ protecting everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services is accessible whether you're driving locally or outside of New York.
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Tow truck
We offer protection for wreckers, rollbacks, and roadside repair vehicles. You can add specialty tow coverages like on-hook and garagekeepers legal liability to protect you when a customer's vehicle is in your possession.
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New York commercial auto insurance cost
The national average monthly cost in 2025 for commercial auto insurance through Progressive Commercial was $260 for contractors and $276 for business auto customers.‡‡ Your NY commercial auto insurance rate can vary based on a few key details about your business, discounts, and more. Here are some of the factors that can influence your cost:
Profession
Some industries have more risk than others. A contractor who carries tools and equipment to various job sites every day can expect to pay more than a consultant who runs occasional errands.
Vehicle
Your vehicle's size and use affect your insurance rate. A large food truck with a grill and a deep fryer will likely have a higher premium than a small catering van with minimal equipment.
Driving history
Insurers run a motor vehicle report on all drivers with access to your commercial vehicles, taking the last few years — three to five, depending on the insurer — into account. Drivers with accidents or violations on their driving record will usually cause your rate to increase.
Location
Insurance tends to cost more in areas with high claim rates or expensive settlements, which is why prices are often higher in large cities. For example, commercial auto insurance in Brooklyn may cost more than in a smaller city like Syracuse. Weather-related risks, such as floods and wildfires, can also affect your rate depending on where your business operates.
Travel radius
How far you regularly drive can influence your commercial auto rate. For example, a local route around Rochester is considered lower risk than a regional one that covers Upstate New York.
Coverage needs
The amount of coverage you choose affects your premium. Policyholders with the New York state minimum limits of 25/50/10 will pay less than a policyholder needing a combined single limit of $1 million.
New York commercial auto liability split limit explained
New York's state minimum liability limit — 25/50/10 — is called a split limit. It separates your insurer's maximum payouts into three groups:
- $25,000 for each person injured in an accident
- $50,000 for all people injured in an accident
- $10,000 for all property damaged in an accident
With New York's basic insurance coverages, your policy will pay up to these amounts if you're at fault for an accident. Learn more about liability coverage.
New York commercial auto insurance requirements
New York state law requires all commercial auto policies to have the following coverages:
- Vehicle liability: Covers injuries or property damage you may cause others in an accident. New York's minimum limits are $25,000 per person, $50,000 per accident for bodily injury, and $10,000 for property damage. Some businesses might need higher limits depending on their vehicles.
- Personal injury protection (PIP): Helps pay medical expenses for drivers and passengers injured in a covered accident, no matter who was at fault. New York requires at least $50,000 in PIP. People can only sue at-fault drivers after PIP benefits run out. You can sometimes get additional PIP for accidents outside the state.
- Uninsured motorist (UM): This insurance helps pay for medical expenses that result from injuries caused by an uninsured driver or a hit-and-run situation.
It's important to choose limits that fit your business, in addition to what's required by NY state law. The right limits can protect you from unexpected costs after an accident.
Commercial auto resources for New York business owners:
- Commercial Auto Insurance Requirements (New York Department of Financial Services)
- Motor Carrier Permit Information (DOT Operating Authority)
Common professions that need commercial auto insurance in NY
Businesses that depend on their company vehicles to get the job done need commercial auto insurance in NY to protect them from related claims. The following professions typically need coverage:
- Food trucks
- Landscapers
- Snow plow services
- Carpenters
- Bakeries
- Cleaning services
- Rideshare
- Flooring contractors
- Real estate agents
- Pizza delivery
Browse more examples of professions we insure.
Get New York commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer in the country,* protecting over 2.3 million commercial vehicles. Here's a few of the many reasons small business owners trust us:
Expert policy service by phone or online
Our expert customer service representatives are available to you 24 hours on weekdays and between 6:30 a.m. and 2 a.m. on weekends. Whether you want to adjust your coverages, request an insurance certificate, or pay a bill, we're here to help.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast after an accident.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance, and take advantage of other commercial auto discounts to get the best rate for your NY policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, workers' compensation, and more.
Commercial auto insurance anywhere in New York
We offer New York commercial auto insurance statewide, including these major cities:
- New York City
- Buffalo
- Albany
- New Rochelle
- Mount Vernon
- Rochester
- Yonkers
- Syracuse
- Schenectady
- Utica
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