Commercial Auto | Gillespie Insurance Agency

If your business owns vehicles or your employees drive for work, commercial auto insurance is essential. We provide coverage for cars, trucks, vans, and specialized vehicles used in your business operations.

Coverage Types

Liability Coverage
Physical Damage
Hired & Non-Owned Auto
Medical Payments
Cargo Coverage

What Commercial Auto Insurance Covers

Commercial auto insurance provides liability coverage when a business vehicle is involved in an accident that causes bodily injury or property damage to others. It also covers physical damage to your own vehicles through comprehensive and collision coverage, protecting against theft, vandalism, weather damage, and accident-related repairs. Additional coverage options include medical payments for driver and passenger injuries, uninsured and underinsured motorist protection, and cargo coverage for goods transported in your vehicles. For businesses that hire vehicles or have employees who use personal cars for work tasks, hired and non-owned auto coverage fills a critical gap that many business owners overlook.

Who Needs Commercial Auto Insurance

Any business that owns, leases, or regularly uses vehicles for business purposes needs commercial auto insurance. This includes contractors and tradespeople who drive to job sites, delivery services, landscaping companies, real estate agents who transport clients, and any business with a fleet of vehicles. In Central New York, where driving conditions can be challenging during winter months, having proper commercial auto coverage is especially important. Even if your business does not own vehicles, you may still have exposure. If employees run errands, make deliveries, or visit clients using their personal cars, your business could face liability for accidents that occur during those trips. A non-owned auto endorsement provides affordable protection against this common risk.

Tailored Fleet Coverage for Central New York Businesses

Gillespie Insurance Agency understands the unique needs of businesses operating in the Auburn and Finger Lakes region. From single-vehicle operations to large commercial fleets, we build commercial auto policies that match your specific vehicles, drivers, and operations. We work with multiple insurance carriers to find competitive pricing without sacrificing the coverage you need. Our team reviews your fleet composition, driver qualifications, and typical routes to identify the right combination of coverages and limits. We also help you take advantage of available discounts such as multi-vehicle pricing, safety equipment credits, and bundling opportunities with your other business insurance policies. Reach out to us at (315) 252-0694 for a commercial auto insurance quote.

Common Commercial Auto Questions

Commercial auto insurance is designed for vehicles owned by a business or used primarily for business purposes. It typically offers higher liability limits, covers multiple drivers, and includes options like hired and non-owned auto coverage that personal policies do not provide. If a vehicle is titled to your business or regularly used for business operations, a personal auto policy will likely not cover a claim.

Yes. If employees drive their personal vehicles for business errands, deliveries, or client visits, your business could be held liable for accidents that occur during those trips. Hired and non-owned auto coverage, which can be added to your commercial auto policy, protects your business in these situations. This is an often-overlooked exposure for businesses in Auburn and throughout Central New York.

Commercial auto insurance covers a wide range of vehicles including cars, pickup trucks, vans, box trucks, service utility vehicles, and specialty vehicles like tow trucks or food trucks. Coverage can be tailored based on the size of your fleet and how the vehicles are used in your daily operations.

You can lower your premiums by maintaining clean driving records for all employees, implementing driver safety training programs, installing GPS tracking and telematics devices, and choosing higher deductibles where appropriate. Gillespie Insurance Agency also shops multiple carriers on your behalf to find the best rates available for your fleet.

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