Business Auto Insurance in Suffolk County, NY | Price, Capell & Associates
Commercial Auto Insurance for Long Island Businesses & Contractors
Protecting Commercial Vehicles for Trades, Deliveries & Field Services
At Price, Capell & Associates Inc., we help businesses throughout Suffolk County and Long Island secure commercial auto insurance designed to protect company vehicles, drivers, and business operations.
Many businesses rely on vehicles for service work, deliveries, jobsite transportation, and field operations, which creates liability exposures that personal auto policies may not cover.
Whether you operate a service van in Holbrook, manage a landscaping crew in Smithtown, run a delivery vehicle in Patchogue, or maintain a fleet of trucks in Ronkonkoma, we help structure commercial auto insurance policies tailored to your business operations.
Businesses That Commonly Need Business Auto Insurance
Commercial auto insurance is essential for many businesses that rely on vehicles to operate.
We frequently insure vehicles used by:
• Contractors and construction companies
• Landscapers and lawn care businesses
• Retail stores with delivery vehicles
• Service technicians and repair companies
• Cleaning and maintenance businesses
• Real estate and property management companies
Commercial auto insurance is often required before businesses can provide certificates of insurance to clients, property owners, or project managers.
Why Businesses Across Suffolk County Work With Us
Price, Capell & Associates Inc. is an independent insurance brokerage serving businesses throughout Long Island.
We help business owners evaluate vehicle exposures and structure commercial auto insurance programs tailored to their operations.
Our agency offers:
• Access to multiple commercial insurance carriers
• Assistance with vehicle schedules and fleet coverage
• Policies tailored for contractors, service businesses, and retailers
• Competitive pricing for Suffolk County businesses
• Local service from our Holtsville office
What Does Commercial Auto Insurance Cover?
A commercial auto insurance policy can cover a wide range of vehicles and exposures, including:
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Bodily Injury Liability
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Property Damage Liability
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Personal Injury Protection (PIP)
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Collision Coverage
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Comprehensive Coverage
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Uninsured Motorist Coverage
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Underinsured Motorist Coverage
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Medical Payments
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Towing and Roadside Assistance
Coverage can apply to cars, vans, pickup trucks, box trucks, and other vehicles used for business purposes.
Hired and Non-Owned Auto Liability Coverage
If your business rents vehicles or has employees using their personal vehicles for work, hired-and-non-owned auto liability coverage is essential.
This coverage helps protect your business against liability claims arising from:
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Rental or leased vehicles (hired autos)
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Employee-owned vehicles used for business purposes (non-owned autos)
In many cases, this coverage can be added to a commercial auto policy or even a general liability policy at a relatively low cost.
Do Personal Auto Policies Cover Business Use?
Personal auto insurance policies typically do not provide adequate coverage when a vehicle is used for business purposes. This can include activities such as:
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Contracting work
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Deliveries
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Service calls
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Transporting tools or equipment
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Sales or business errands
If a claim occurs while using a personal vehicle for business, coverage may be denied. A properly structured commercial auto policy helps eliminate this risk.
Commercial Auto Insurance for Contractors and Businesses
We specialize in commercial auto insurance for:
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General Contractors
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Electrical Contractors
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Plumbing & HVAC Contractors
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Landscaping & Tree Service Companies
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Delivery and Transportation Businesses
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Auto Service and Repair Shops
Whether you have one vehicle or a fleet, we help structure coverage that aligns with your operations and exposures.
Commercial Auto Insurance on Long Island
Get a Commercial Auto Insurance Quote Today
Get a free commercial auto insurance quote from Price, Capell & Associates. We’ll review your vehicles, drivers, and operations to provide competitive options from multiple carriers.
Call our office or request a quote online to protect your business vehicles with the right coverage.
Business Insurance Built for Long Island Companies
Our agency works with multiple carriers to help business owners obtain competitive pricing, fast quotes, and same-day certificates of insurance when needed.