Protect Your Business Vehicles, Drivers & Operations
Your vehicles are the backbone of your business. Whether you run a contracting company, delivery service, cleaning business, or corporate fleet — one accident without the right coverage can cost you everything. At Dora Brokerage Inc., we build customized commercial auto policies that keep your business protected, compliant, and moving without interruption.
If your business uses a vehicle for any work-related purpose — you need commercial auto insurance. A personal policy will not cover you during business use.
Commercial Auto Insurance covers any vehicle used for business purposes. It offers far broader protection than a personal auto policy and is required by law for all vehicles used in business operations in New York.
Essential Commercial Auto Coverages Every Business Needs
Here are the most important coverages every business vehicle owner should understand and consider.
Required by Law — Most Important Coverage for Any Business
If one of your drivers causes an accident, liability coverage protects your business from devastating financial and legal consequences.
Covers:
Typical limits: $300,000 – $1,000,000 depending on business type and requirements
Protects your business vehicle from damage — keeps your operations running
Whether it’s a fender bender or a major accident, physical damage coverage ensures your vehicles get repaired fast so your business doesn’t stop.
Covers:
Deductibles available from $1,000 – $5,000, adjustable based on your preference and budget
Required in New York State — Covers Your Driver & Passengers
Covers medical expenses for your driver and any passengers in the vehicle — regardless of who caused the accident.
Covers:
Required under New York State No-Fault Law
Critical protection in busy areas like NYC
If your business vehicle is hit by a driver who has no insurance — or not enough — this coverage steps in so your drivers and passengers are never left without protection.
Covers:
For businesses using rented, leased or employee-owned vehicles
Your business can be held liable even when the vehicle involved isn’t owned by your company. HNOA protects your business in those situations.
Ideal for businesses where:
Protects your business even when the vehicle is not on your company’s policy
Saves your business money when it matters most
Waives your collision deductible in certain situations — especially when your vehicle is hit by an uninsured driver.
Best for:
Extra medical protection on top of PIP
An optional add-on that covers additional medical expenses for you and your passengers after an accident — beyond what PIP covers.
Covers:
Commercial Auto Insurance for Every NYC Business That Uses a Vehicle
If your business uses a vehicle — for any reason — you need commercial auto insurance. We specialize in covering a wide range of industries across New York City and beyond.
We offer insurance solutions across multiple states, with a team dedicated to guiding you through every step of the process. From choosing the right coverage to ensuring compliance with state regulations, our experts provide personalized support for individuals, businesses, and TLC drivers—making insurance simple, fast, and stress-free.
We understand that every client’s insurance needs are unique. That’s why we provide personalized service tailored to your specific situation—whether you're an individual, business owner, or TLC driver. Our team takes the time to understand your goals and recommend the right coverage, ensuring you receive dedicated support and solutions that truly fit.
We partner with top-rated insurance carriers to bring you the best coverage at highly competitive rates. Whether you need personal, commercial, or TLC insurance, we help you find the right policy without breaking your budget. Our strong industry relationships ensure reliable protection and excellent value—so you get peace of mind at the right price.
Fast. Simple. Affordable. Everything you need to stay protected and TLC-compliant — all in one call.
