Commercial Auto and Garage Liability Insurance — Lancer Insurance

As a business owner, you may use box trucks, delivery vans, contractor vehicles or mobile equipment to get the job done. Or, perhaps you operate an auto repair shop, towing service or service station to serve the motoring public. Either way, you could be held liable for accidents arising out of your day-to day operations.

That's why you need protection from the company that knows the ins and outs of commercial auto and garage liability insurance like nobody else. With years of experience and knowledge gained from serving businesses just like yours throughout New York, New Jersey, Pennsylvania, Connecticut and Ohio, we can offer the protection you need to keep your business rolling along.

To become one of our valued customers, please complete our quick online questionnaire or have your insurance broker call us. Or, contact our commercial auto & garage division today for a Lancer-approved agent or broker near you.

If you are a producer and interested in offering Lancer’s commercial auto & garage insurance products and services to your clients, please contact us today.


COVERAGES

Small to mid-sized businesses throughout New York, New Jersey, Pennsylvania, Connecticut and Ohio turn to us for their commercial auto and garage liability needs.* You too can count on us for the coverages and policy limits you need to protect your drivers, vehicles and the business you've worked so hard to build.

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COMMERCIAL AUTO LIABILITY

Bodily Injury and Property Damage Liability

Even the safest — and most well-trained — drivers suffer mishaps. Bodily injury and property damage coverage can compensate those injured in an accident involving an insured vehicle, or pay for damages to another vehicle.

We can accommodate your business' needs with up to $1 million Combined Single Limit (CSL) in bodily injury and property damage coverage.

The following liability coverages are also available, where applicable:

  • Personal Injury Protection (PIP)
  • Uninsured Motorist Coverage (UM)
  • Underinsured Motorist Coverage (UIM)
  • Medical Payments (Med Pay)

Physical Damage (Comprehensive & Collision)

When one of your vehicles is involved in an accident, our physical damage coverage will get it back on the road...and fast!

Physical damage coverage includes:

  • Collision — Covers repairs or replacement to your insured vehicle resulting from an accident involving other vehicles or stationary objects
  • Comprehensive — Pays for damage to your insured vehicle from fire, theft, vandalism and other covered perils

We offer a variety of deductibles starting at $1,000.

Business Automobile Liability and Physical Damage Classes

  • Alarm and Alarm System Installation
  • Beverage Delivery
  • Building Material Haulers
  • Cable Installation and Repair
  • Carpentry and Flooring
  • Carpet Cleaners
  • Commercial Building Contractors
  • Communication Installation and Repair
  • Contractors — Electrical, HVAC, Painting, Plumbing, Roofing
  • Courier Services
  • Driving Schools — Personal and Commercial
  • Fish and Seafood Delivery
  • Florists — Wholesale
  • Food Delivery — Produce, Meat, Seafood, Dairy
  • Furniture Delivery — Retail/Residential
  • Glass Installers
  • Mobile Equipment
  • Ready Mix Concrete
  • Sanitation and Debris Removal
  • Swimming Pool Cleaners
  • Towing — Personal and Commercial

Motor Carrier (Truckers) Liability & Physical Damage

Liability insurance for motor carriers includes bodily injury and property damage coverage, which compensates those injured in an accident involving an insured vehicle, and/or pays for damages to other vehicle(s). And, our physical damage coverage will get your vehicle repaired and back on the road in no time.

  • Local Truckers (50-mile radius)
  • Intermediate Truckers (up to 300-mile radius)
  • Household Movers — Local or Intermediate
  • Mail Delivery
  • Sand and Gravel Haulers (Physical Damage not offered in Lancer)

Garage Liability — Service Risks

If you run an auto repair business, towing service or service station, no worries...our garage liability insurance covers bodily injury and property damage resulting from day-to-day operations. We can accommodate your business' needs with limits up to $1 million CSL in coverage.

Garage Liability — Service Risks Classes

  • Auto Detailers
  • Auto Repair
  • Body and Fender
  • Glass Shops
  • Muffler and Brake Shops
  • Service Stations
  • Towing Services
  • Transmission Shops

Garage Liability — Used Car Dealers

Even at the most safety-conscious used car dealership, accidents can happen. Garage liability insurance provides coverage when your business operation is liable for bodily injury or property damage caused to one of your customers or a third party. Dealer and transporter plate insurance provides liability coverage when transporting used cars from an auction to another location or destination, and when the used car is taken out for a test drive.

Garage Liability — Used Car Dealer Classes

  • Used Car Dealers — Retail and Wholesale

Dealer and Transporter Plates

  • Used Car Dealers — Retail and Wholesale

Garagekeepers Legal Liability & Dealers Physical Damage

Garagekeepers legal liability coverage protects a customer's vehicle when you are keeping it at a covered location for parking or storing, or to perform service. Our dealers physical damage coverage provides physical damage protection for the vehicles being held for sale in your inventory.

Garagekeepers Legal Liability & Dealers Physical Damage Classes

  • All Classes shown under Garage Liability — Service Risks (above)
  • Used Car Dealers — Retail and Wholesale
  • Transporters of Autos

* Please contact us for a list of available products and coverages by state.


POLICYHOLDER BENEFITS

When it comes to finding the right commercial auto and garage liability insurance for your business, great coverages are only part of the solution. We have the experience and resources to respond quickly and efficiently when accidents occur, either day or night, and the know-how to help you minimize losses before they happen.

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Here's a glimpse into the complimentary tools and services we offer:

  • Easy-to-use accident and claim reporting aids
  • SafetyLink Hotline, a policyholder-exclusive service to help you get answers or additional information on loss control issues and DOT regulations
  • Safety Stop, our blog for loss prevention information, risk management tips and regulatory updates to help you reduce losses and enhance compliance efforts
  • 24/7 online access to driver training videos to help your drivers be the best they can be
  • Our Business Resource Hub, an extensive library of materials to help you safeguard your vehicles and employees, comply with FMCSA regulations and manage your business successfully
  • High-quality Loss Control Services
    • Lancer’s team of seasoned loss control professionals, dedicated to helping you reduce your potential for loss and manage the impact of accidents and the costs associated with them

In the event of an accident, you'll have the claims resources and support you need right by your side...24/7/365. With decades of practical knowledge in the commercial auto and garage industry, we know how essential it is for you to quickly get back to serving your customers.

And, with our Loss Recovery Program, our claim team will assist you with recovering out-of-pocket and down-time expenses, including your deductible, when others are at fault for your loss...at absolutely no cost to you.

* Please contact us for a list of available products and coverages by state.

““Lancer’s risk management team does an extraordinary job of helping my clients implement a program to help them reduce their risk and improve their operations!””
— Michael J. Fleischer, President, Flexible Agency, Inc., Huntington, NY