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We are here for you when you need us more

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At L & C Express Services Corp  we will make sure you have the most fast, reliable and affordable insurance coverage for your vehicle. We have full range of commercial vehicle insurance products, whether you own just one vehicle or a fleet. Our companies insure cargo vans, pickups & utility trucks. 
10+ years experince back up this. We will seek and find together the rigth fit for both your budget and your automobile insurance needs.

Customize your policy to fit your life:

  • Auto liability

  • Medical payments

  • Comprehensive coverage

  • Collision coverage

  • Uninsured and underinsured motorists coverage

  • Coverage for autos you borrow or rent

  • Coverage for employees using their cars for the business

Commercial Vehicle Insurance


What are the requirements for commercial car insurance in NY? New York state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $10,000 for property damage

Do I need commercial insurance for commercial plates in NY? Commercial auto insurance covers legal fees and other expenses if a business-owned vehicle is involved in an accident. It's required for all commercial vehicles in New York.

What is the difference between commercial and business auto insurance? The most evident difference between business insurance and commercial auto policies involves how work-related vehicles are used are used. Business auto insurance covers vehicles used for trips through regular traffic, whereas commercial auto insurance covers specialized vehicles designed for specific jobs.

What does commercial vehicle mean in NYC? For the purposes other than parking, stopping and standing rules, a vehicle designed, maintained, or used primarily for the transportation of property or for the provision of commercial services and bearing commercial plates is considered a commercial vehicle.

How many types of limits are found in a commercial auto policy? There are two types of payout limits you can select on your liability policy: Combined single limits and split limits. Split limits are those that define the most your insurance company will pay for these three items: Maximum Bodily Injury payment per person.

Do commercial vehicles need inspection in NY? The NYS DOT inspection is required every 6 months. Vehicles that must be inspected by NYS DOT, buses inspected by the NYS Heavy Vehicle Program (NYS HV), or vehicles subject to operating authority are required to have proof of inspection before registration.

What is excluded from commercial general liability? Bodily injury or property damage that may result from the use of aircraft, watercraft, or autos that are owned, operated, or rented or loaned to any Insured is excluded.

Who needs commercial plates in NY? Vehicles used for commercial purposes need a Commercial Vehicle Registration in New York State. Vehicles should be registered with the New York State Department of Motor Vehicles (DMV). Residents of New York City must also pay a vehicle use tax when registering a vehicle. The tax rate depends on the type of vehicle.

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