Commercial Auto


Mystic stands out with exceptional customer service. We have used them for years and are always pleased with our experience. If you need coverage, I highly recommend Mystic Brokerage.

Madeline R.

Over the years, Barbara and the rest of the Mystic team has helped us through our brokerage needs. Her accountability is beyond what’s expected within the industry. I recommend them to all of my colleagues. 

Frank V.

Commercial Auto

The Commercial Auto Program (CAP) provides insurance coverage for vehicles of skilled tradespeople who earn income by performing  delivery, installation, improvement or maintenance services at residential an commercial locations including new construction sites.


CAP policies are written within the five boroughs of New York City and throughout the State of New York, and provides insurance for businesses owned individually or by a corporation.


Vehicles insured under the CAP program are light trucks (GVW of 10,000 pounds or less) and medium trucks (GVW of 10,001 to 20,000 pounds).  Business use classifications are:


  • Service use – transportation of the insured’s employees, tools, equipment, and incidental supplies to and/or from a job location.  This classification is confined to automobiles principally parked at job locations for the majority of the working day or used to transport supervisory personnel between job locations.


  • Commercial use – automobiles used for transporting property, and the insured’s employees, tools, equipment, and incidental supplies to several locations.


  • Retail use – automobiles used to pick up property from ,or deliver property to, individual households.
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