Commercial Auto Insurance Non-Renewed? Here’s What to Do Next

If you’ve recently received a non-renewal notice for your commercial auto policy, you're not alone. Across the country, many direct market carriers are exiting the commercial auto space, tightening underwriting guidelines, or significantly increasing premiums.

That’s putting business owners in a tough spot and it’s why working with an independent insurance agency like ours matters more than ever.

What’s Happening in the Market?

Direct writers and online carriers are increasingly pulling back from commercial auto insurance. Why? The combination of rising claims costs, increased accident frequency, supply chain issues, and inflated repair bills has made this a challenging line of business for many insurers. As a result, they’re choosing to reduce risk by non-renewing entire segments and leaving business owners scrambling for coverage.

This trend is affecting:

• Contractors and tradespeople

• Delivery and transportation services

• Food trucks and mobile services

• Real estate professionals

• Any business that relies on vehicles to operate

  
  

 We Still Have Options

At Alpha/Omega Coverage Corp, we work with a wide range of insurance carriers, not just one. That gives us access to markets that are still actively writing commercial auto policies, even as others pull back. Whether you're being non-renewed, facing a steep premium hike, or simply want to compare options, we’re here to help.

We can provide:

• Access to regional and national carriers who still value commercial auto

• Flexible coverage tailored to your business

• Guidance on how to strengthen your application and lower risk

• Solutions for single vehicles and fleets

• Support for high-risk or hard-to-place policies

Why Commercial Auto Coverage Still Matters

Commercial auto insurance protects your business from financial liability if a work vehicle is involved in an accident, stolen, vandalized, or otherwise damaged. If you’re using vehicles for business, even just occasionally, personal auto insurance usually won’t cover it.

Without proper coverage, one accident could cost more than the vehicle itself.

Don’t Wait Until Your Policy Expires

If you've received a non-renewal notice or suspect one is coming, let’s get ahead of it together. The earlier we start, the more options we’ll have.

Give us a call today at (718) 494-4440. We’re here to find the coverage your business needs, backed by experience, relationships, and the ability to adapt when the market shifts.