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  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.