If your vehicles earn their keep — work trucks, cargo vans, service vehicles running job to job across Long Island — a personal auto policy won't cover them: the moment a vehicle is used for business, most personal policies exclude it. As a woman-owned independent insurance agency in Copiague, All Nation Insurance Agency Inc helps contractors, tradespeople, and small businesses across Suffolk and Nassau County insure their commercial vehicles properly, with the certificates their clients and contracts require.
From landscapers in Babylon to electricians running calls across the island, Long Island businesses live on the road — the LIE, Sunrise Highway, and the Southern State are your office hallways. That means high mileage, heavy traffic, employees behind the wheel, and tools or equipment in the back. A personal auto policy excludes business use, so an accident in the work van could mean a denied claim. Commercial auto is built for this: higher liability limits, coverage for employees driving company vehicles, and protection for permanently attached equipment.
Land a job and the GC needs a certificate of insurance by tomorrow? As your local agent, we turn certificates around quickly and keep them on file — no scrambling when a contract starts. We can also add additional insureds and waivers of subrogation when your contracts require them.
We shop your fleet — even a one-vehicle operation — across multiple carriers, check discounts for clean driving records, safety programs, and telematics, and structure deductibles sensibly. And when you grow from one truck to five, we adjust the policy.
Commercial auto has more moving parts: driver lists, garaging locations, certificates, and contract requirements. You need an agent who picks up the phone and knows your business. We're on Montauk Highway in Copiague — call, text, or stop in and talk to someone who already knows your policy.
Based in Copiague, we insure businesses throughout Suffolk and Nassau County, Long Island — including Babylon, Amityville, and Lindenhurst.
Almost certainly not — personal auto policies exclude vehicles used regularly for business. If you're driving it for work, you need commercial auto, or a claim can be denied.
Their personal policy is primary, but your business can still be sued after an accident on company time — hired and non-owned auto liability covers that gap.
Yes — fast certificate turnaround is a big reason businesses use a local agent instead of an 800-number. Call (631) 464-4052 when a contract needs one.
Carriers look at vehicle type and use, driving records, garaging location, radius of operation, and limits. We'll gather the details and quote across multiple carriers.