Commercial Auto & Garage

Commercial Auto & Garage

(Available in NY, NJ, PA and CT*)

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, service station or parking garage 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 and Connecticut, we can offer the protection you need to keep your business rolling along.

To become one of our valued customers, have your agent or broker give us a call. 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 representing one of the premier commercial insurance carriers in the United States, please contact us today.


COVERAGES

Small to mid-sized businesses throughout New York, New Jersey, Pennsylvania and Connecticut 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:

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:


Business Automobile Liability and Physical Damage Classes

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.


Motor Carrier (Truckers) Liability and Physical Damage Classes

Garage Liability — Service Risks

If you run an auto repair business, towing service, service station or parking garage, 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

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

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

We will also write private passenger automobiles in conjunction with a commercial automobile account.


* Please contact us for a list of available products and coverages by state
**Available through Lawrence Excess in non-admitted market only


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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As a Lancer Commercial Auto & Garage policyholder, you'll receive:

In the event of an accident, you'll have the expertise, 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 experts 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.


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"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


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