Questions to Ask Before Buying a Commercial Auto Policy, commercial auto insurance.#Commercial #auto #insurance


Questions to Ask Before Buying a Commercial Auto Policy

Commercial auto insurance

Commercial auto insurance

A commercial auto policy is an important element of a business insurance program. If your company uses vehicles in its operations, you should purchase commercial auto insurance. Here are some issues to consider before buying a policy.

What Kind of Autos Does your Business Own?

In commercial auto insurance, vehicles are divided into two broad categories:

  • Private passenger-type autos
  • Trucks, tractors, and trailers

Private passenger autos include vehicles such as sedans, minivans, and station wagons. Trucks vary widely in size. In commercial auto insurance, they are subdivided into classes based on their gross vehicle weight (GVW). For example, a half-ton pickup would be classified as a light truck. A garbage truck would likely be classified as a heavy truck or extra-heavy truck, depending on its GVW.

Vehicles that are part of a fleet are generally charged lower rates than those that aren t. A fleet typically consists of five or more vehicles owned by the same company. The vehicles may be trucks, private passenger types, or a combination of the two.

Before shopping for insurance, make a list of the vehicles your company owns. Include the year, make, model, and GVW (for trucks only).

Does Your Firm Use Autos It Doesn t Own?

Another matter to consider is whether your firm uses autos it doesn t own. Autos you don t own that are used in your business may be a source of lawsuits against your firm if such autos are involved in accidents.

Under a commercial auto policy, autos you don t own are divided into two categories:

  • Hired Autos: These are vehicles your business leases, rents, hires or borrows.
  • Non-Owned Autos: These are vehicles, other than hired autos, which your business uses but does not own. An example is an auto that is owned by one of your employees and used in your business.

What if your company uses hired or non-owned autos only. Do you need to purchase commercial auto liability coverage? The answer is yes. Your business needs auto coverage even if it doesn t own any vehicles. You can purchase a policy that covers only hired and non-owned autos.

How and Where Are the Vehicles Used?

Two questions a commercial auto insurer is certain to ask are:

  1. How are your vehicles used?
  2. Where are your vehicles garaged?

The manner in which vehicles are used affects the rates you pay for auto insurance. Generally, rates are inversely related to the time spent on the road and the distance traveled. You ll pay a higher rate to insure a truck used to deliver products to customers than for a similar truck that sits at a job site most of the day. Likewise, a truck that travels only a few miles each day will cost less to insure than a similar truck that travels 100 miles daily.

The geographic location where your vehicles are stored and driven also affects the rates you pay. Some areas present greater risks than others. More accidents or thefts may occur in one place than another.

Who Owns the Vehicles?

Before purchasing auto insurance, it is important to know how your business should be listed on the policy.

The person or entity that owns the vehicles should be shown as a named insured. Otherwise, the registered owner of a vehicle could find itself with no coverage for a claim.

For example, suppose that you own ABC Inc., a computer services firm. Your company has created a subsidiary called XYZ Inc. The subsidiary company owns a fleet of trucks that it leases to ABC. When you buy commercial auto coverage, your policy should list both companies as named insureds. Make sure your insurer doesn t omit XYZ, the registered owner of the vehicles.

Special Regulations

Special regulations may apply to businesses that operate certain types of vehicles. For instance, some companies that transport cargo across state lines must meet requirements imposed by the Department of Transportation. Businesses that transport hazardous materials may be subject to both state and federal regulations.

If you are subject to such regulations, be sure your insurance agent or broker is familiar with them. He or she should know how the laws affect you and the requirements you must meet.

Tips for Lower Premiums

Here are some steps you can take to reduce the cost of commercial auto insurance.

  • Secure Storage: Store your vehicles in a secure area that offers protection from vandals and thieves.
  • Good Drivers: Hire qualified drivers with good driving records.
  • Choice of Vehicle: Choose vehicles that are safe, reliable and not overly costly to repair. Features such as air bags, a backup camera , anti-lock breaks, and an automatic braking system may help lower your insurance rates.
  • DeductiblesCommercial physical damage coverage will be cheaper if you choose high deductibles.
  • Anti-Theft Devices Protect your vehicles from thieves. Choose vehicles that include electronic keys, GPS tracking, an alarm system, and other anti-theft devices. Don t leave keys in the vehicle.

Business Insurance – Small Business Insurance: Farmers Insurance, commercial auto insurance.#Commercial #auto #insurance


Business

Personalized coverage. Personalized service.

Find your industry

Farmers Business Insurance

Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

  • Research business insurance options by coverage type and industry type.
  • Understand the value Farmers agents and claims representatives add to your experience.
  • Get answers to questions that are often asked by small business owners like you.

    Our goal here is simple: To equip you with information so you can choose the coverage you want for your business.

    Browse coverage types

    Business owners have told us they like the customizable policies Farmers offers — and these are the major components in your robust menu of business insurance options.

    Property – Coverage for risks related to your business’s building, property, inventory or income.

    Liability – Coverage for risks ranging from customer injuries to wrongful termination.

    Crime – Coverage against money and securities theft committed by employees or third parties.

    Auto – Coverage for vehicles you own, lease or rent for business use.

    Workers’ Compensation – Assistance for employees if an injury or illness occurs on the job.

    Umbrella – Additional liability coverage that supplements an underlying policy.

    Life – Coverage that can help attract and retain employees, and prepare for business succession.

    Loss Control – Services that help you increase on-the-job safety and efficiency.

    Additional business insurance options to consider

    You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

    Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

    Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

    Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

    Education and Non-Profit – For organizations including museums, schools and civic groups.

    Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

    Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

    Hospitality – For the owners of hotels, motels and bed and breakfasts.

    Manufacturing – For companies that manufacture products of virtually any type.

    Office – For the offices of independent professionals such as doctors, lawyers and consultants.

    Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

    Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

    Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

    Wholesale – For businesses that provide wholesale goods and services to retail industries.

    Why choose Farmers?

    We’ve spent almost 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

    The value of a Farmers agent

    Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

    The ease of a Farmers claim

    You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

    The experience of Farmers insights

    You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

    *Subject to policy terms, conditions, limits, and exclusions

    This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for

    your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.


Business Insurance – Small Business Insurance: Farmers Insurance, commercial auto insurance.#Commercial #auto #insurance


Business

Personalized coverage. Personalized service.

Find your industry

Farmers Business Insurance

Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

  • Research business insurance options by coverage type and industry type.
  • Understand the value Farmers agents and claims representatives add to your experience.
  • Get answers to questions that are often asked by small business owners like you.

    Our goal here is simple: To equip you with information so you can choose the coverage you want for your business.

    Browse coverage types

    Business owners have told us they like the customizable policies Farmers offers — and these are the major components in your robust menu of business insurance options.

    Property – Coverage for risks related to your business’s building, property, inventory or income.

    Liability – Coverage for risks ranging from customer injuries to wrongful termination.

    Crime – Coverage against money and securities theft committed by employees or third parties.

    Auto – Coverage for vehicles you own, lease or rent for business use.

    Workers’ Compensation – Assistance for employees if an injury or illness occurs on the job.

    Umbrella – Additional liability coverage that supplements an underlying policy.

    Life – Coverage that can help attract and retain employees, and prepare for business succession.

    Loss Control – Services that help you increase on-the-job safety and efficiency.

    Additional business insurance options to consider

    You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

    Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

    Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

    Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

    Education and Non-Profit – For organizations including museums, schools and civic groups.

    Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

    Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

    Hospitality – For the owners of hotels, motels and bed and breakfasts.

    Manufacturing – For companies that manufacture products of virtually any type.

    Office – For the offices of independent professionals such as doctors, lawyers and consultants.

    Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

    Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

    Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

    Wholesale – For businesses that provide wholesale goods and services to retail industries.

    Why choose Farmers?

    We’ve spent almost 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

    The value of a Farmers agent

    Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

    The ease of a Farmers claim

    You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

    The experience of Farmers insights

    You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

    *Subject to policy terms, conditions, limits, and exclusions

    This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for

    your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.


Do I need a commercial auto insurance policy? #auto #paint #color #chart


#commercial auto insurance
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Do I need a commercial auto insurance policy?

As a businessowner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.


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Business Insurance Quotes – 877-907-5267

Testimonials

Thank you for helping us secure commercial auto and general liability insurance as well as the fast turn around on certificates. We appreciate your hard work

Steve Dowling / Oklahoma Steam Clean

I just wanted to thank you again for the speedy and efficient service in handling all commercial insurance needs. I feel like someone on the other end is truly looking out for my best interests

Commercial Insurance Quotes

Running a business requires a lot of risk. Learn how small business insurance can help you master the ART of risk management. Find information and quotes for Workers Compensation. Commercial Umbrella Liability. Commercial Vehicles. General Liability Insurance and more.

Commercial Insurance Mission

Our mission is to help medium and small businesses manage risk by finding business insurance quotes at a reasonable price. Discover information on our insurance blog that will help protect the success of your business. Get the protection you deserve today before it is too late. Choose a business insurance type above to find your free insurance quote from preferred commercial insurance companies.

A Business Owner’s Policy is a good place to start when looking for small business insurance. Also known as a BOP, the Business Owner’s Policy will cover Property and general liability insurance at a minimum. Generally this type of policy is built for main street America but there are exceptions. Speak with one of our commercial insurance agents to find out how a BOP can benefit your business.

If your small business uses any type of auto you will likely need commercial vehicle insurance. Find a wide array of commercial vehicle markets including commercial vans, cars and many forms of trucks. Talk to one of our agents today to get fast and competitive commercial vehicle insurance quotes.

Workers Compensation is required in almost every state if you have employees. We offer a wide variety of companies offering flexible payment plans.


Commercial auto insurance #auto #recalls


#commercial auto insurance
#

Commercial Auto Insurance For Your Business

Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting your business. Large fleets, as well as small businesses, should be properly covered by a commercial auto insurance policy.

What is commercial vehicle insurance?

Commercial Vehicle Insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. Seems obvious, doesn’t it? But, seriously, knowing the difference between a personal auto insurance policy and a commercial auto policy (and when you need which) is important business for your business. This type of business insurance covers a variety of vehicles. You may also have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance.

Why do you need commercial vehicle insurance?

That’s a good question. Certain business usage and vehicle types may be excluded from personal policies. Why? Since personal auto policies were not meant for businesses, they are written and rated differently. More important to you a business owner or manager businesses often need the particular coverages found in a commercial auto insurance policy.

Determining whether your situation requires commercial auto coverage can still be confusing. Here’s a little more information and examples of when you need commercial insurance .

What does commercial vehicle insurance cover?

Commercial vehicle insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.

What are the coverages?

  • Bodily injury liability coverage pays for bodily injury or death resulting from an accident for which you are at fault and in most cases provides you with a legal defense.
  • Property damage liability coverage provides you with protection if your vehicle accidently damages another person’s property and in most cases provides you with a legal defense.
  • Combined single limit (CSL) Liability policies typically offer separate limits that apply to bodily injury claims for property damage. A combined single limits policy has the same dollar amount of coverage per covered occurrence whether bodily injury or property damage, one person or several.
  • Medical payments, no-fault or personal injury coverage usually pays for the medical expenses of the driver and passengers in your vehicle incurred as a result of a covered accident regardless of fault.
  • Uninsured motorist coverage pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
  • Comprehensive physical damage coverage pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.
  • Collision coverage pays for damage to your vehicle when it hits or is hit by another object.

Why should I buy my auto insurance from GEICO?

When you think of GEICO, you think of competitive rates and great service two very good reasons to have your commercial auto policy with GEICO. You also want a company that has the resources to pay your claims. GEICO, a wholly-owned subsidiary of Berkshire Hathaway, Inc.. has combined assets of over $32 billion*. Learn more about GEICO’s financial strength and the honors and ratings that set GEICO apart from other companies. Some of our policies are issued through National Indemnity Company (NICO) which is also a member of the Berkshire Hathaway group of insurance companies. Best of all, when you call, you’ll get the same great service from GEICO. Learn more about why getting your commercial auto insurance policy with GEICO is a good move for your business.

Call (866) 509-9444 for more information about GEICO’s commercial auto insurance or go online now to request a free commercial auto insurance quote .

*Assets are combined and vary by company. Refer to our financial information page for more details.

Coverage is underwritten by Government Employees Insurance Company. In some cases coverage is provided through the GEICO Insurance Agency, Inc.. either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers. Some discounts, coverages, payment plans and features are not available in all states. Government Employees Insurance Co. is a subsidiary of Berkshire Hathaway Inc. GEICO: Washington, DC 20076


Before You Purchase Commercial Auto Business Insurance #brandywine #auto #parts


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Before You Purchase Commercial Auto Business Insurance

By Gregory Boop. Business Insurance Expert

Commercial auto insurance is one of the most important aspects of your business insurance program. If your business uses a vehicle, or many vehicles, you need commercial auto insurance and you will want to ask your business insurance professional some important questions. You will also want to provide your business insurance professional with a complete picture of your vehicle use.

How Many Vehicles and Drivers Will the Business Insure?

Commercial auto insurers often separate coverage types based on the number of vehicles and drivers to be insured. Fleet insurance is an option for businesses that will have a number of vehicles and drivers. The number of vehicles differs with each insurer and may depend on the class of vehicle. But, fleet insurance may be a less expensive alternative than individual, per vehicle policies.

What is the Policy Definition of Commercial Use?

Your personal auto policy will exclude coverage for commercial uses of your vehicle.

A commercial policy will establish a definition of commercial use as well. It is important that you read the definition and discuss this with your insurance professional. If there is any question, it is better to obtain a commercial auto policy so that, in case of an accident, there is no chance of being uninsured.

How Can You Lower Premium Costs?

Commercial auto business insurance premiums can be lowered by:

  • Business Location – the location of the vehicles determines premiums for theft.
  • Driver Records – hire only qualified drivers with safe driving records.

Continue Reading Below

  • Choice of Vehicle – sales people may want sports cars, but five-star safety rated, domestic, mid-sized sedans have the lowest premiums.
  • Deductibles – can your business afford part of the risk and maintain a high deductible? If so, your premiums will be lower.
  • Safety and Anti-Theft Devices – alarms, GPS tracking, air bags, seat belts, and other such devices can significantly lower premiums.
  • Insure U for Small Business Tips on Lowering Premiums

Special Commercial Coverages and Considerations.


Commercial Insurance Quotes #advantage #auto


#insurance auto
#

Business Insurance Quotes – 877-907-5267

Testimonials

Thank you for helping us secure commercial auto and general liability insurance as well as the fast turn around on certificates. We appreciate your hard work

Steve Dowling / Oklahoma Steam Clean

I just wanted to thank you again for the speedy and efficient service in handling all commercial insurance needs. I feel like someone on the other end is truly looking out for my best interests

Commercial Insurance Quotes

Running a business requires a lot of risk. Learn how small business insurance can help you master the ART of risk management. Find information and quotes for Workers Compensation. Commercial Umbrella Liability. Commercial Vehicles. General Liability Insurance and more.

Commercial Insurance Mission

Our mission is to help medium and small businesses manage risk by finding business insurance quotes at a reasonable price. Discover information on our insurance blog that will help protect the success of your business. Get the protection you deserve today before it is too late. Choose a business insurance type above to find your free insurance quote from preferred commercial insurance companies.

A Business Owner’s Policy is a good place to start when looking for small business insurance. Also known as a BOP, the Business Owner’s Policy will cover Property and general liability insurance at a minimum. Generally this type of policy is built for main street America but there are exceptions. Speak with one of our commercial insurance agents to find out how a BOP can benefit your business.

If your small business uses any type of auto you will likely need commercial vehicle insurance. Find a wide array of commercial vehicle markets including commercial vans, cars and many forms of trucks. Talk to one of our agents today to get fast and competitive commercial vehicle insurance quotes.

Workers Compensation is required in almost every state if you have employees. We offer a wide variety of companies offering flexible payment plans.


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Laguna Niguel

Over one-third of Laguna Niguel is designated as open space. This significant amount of open space is one of the key features defining the character and urban form of the City. The City has 2 community parks, 23 neighborhood parks, 3 mini-parks, 1 dog park, 2 county regional parks, 2 small county parks and the new Laguna Niguel Skate Soccer Park.

Laguna Niguel Electrician Berk s Electrical and Lighting

Electrician in Laguna Niguel, California to serve you with personal, friendly, reliable, experienced and lasting service for electrical repairs, installs, and upgrades. Call us at (714) 744-4300 or (949) 857-8385.

Berk s Electrical and Lighting is a full service electrical contracting company that has been providing electrical contracting for exterior, interior and landscape lighting, retrofits, service installations, new construction, renovations. tenant improvements, service upgrades and repair since the early seventies. Working on designs from start to end with his qualified team of project consultants and technicians Berk s Electrical and Lighting provides the necessary confidence any client needs to get their project finished on time, on budget and to code. Anyone knows that professional interruptions can cause inefficiencies that have a sudden impact on project costs, that s why Berk s Electrical and Lighting focuses on getting electricity restored into your system in the fastest and safest manner possible. It goes without saying that this is at the minimum risk to any valuable or data sensitive equipment.

Our professional Laguna Niguel electricians can come to your Laguna Niguel home and diagnose any problem you may be having. Our trucks are fully stocked to ensure that we have the right tools and materials to ensure the best service for your home. We will do all your electrical work personally to guarantee an excellent job for you. All the electrical materials we install for your project will be the finest that are available.

Quality electrical work depends on consistency and uniformity. That is why there is an electrical code, so everyone is clear on the correct and incorrect way to perform an electrical repair or installation! As a professional electrician, you can depend on Berk s Electrical and Lighting for an electrical repair that will last!

Laguna Niguel Residential Electrical Repairs

Our professional Laguna Niguel electricians can come to your Laguna Niguel home and diagnose any problem you may be having. Our trucks are fully stocked to ensure that we have the right tools and materials to ensure the best service for your home. We will do all your electrical work personally to guarantee an excellent job for you. All the electrical materials we install for your project will be the finest that are available.

Laguna Niguel Commercial Electrical Repairs

Any Commercial building or place of business can use a wide range of Laguna Niguel electrical services, whether it is maintenance or installation. Dedicated circuits to avoid overloading of the circuits and circuit breakers. Energy saving lighting both inside the building as well as outside. Proper voltages to the machines and equipment ensures a longer running time with less problems.

Parking garages and outside parking lots should always have sufficient energy saving lighting. One Laguna Niguel commercial electrical service is if the light fixture does not have energy saving lamps and ballasts, electricians can retrofit the light fixtures making them energy efficient which will lower electricity bills and save electricity.

Electrical Services

Fluorescent Ballast, 110V Circuits, 220V Circuits, 480V Circuits, New Circuits Breakers Fuses, Air Conditioning, Pool Motor Problems, Rewiring, Troubleshooting Indoor Outdoor Lighting, Meter Upgrades Panel Change, Repair Audio Visual Arrays, Ground Fault Interrupter, Track Lighting, Motion Sensors, Panel Upgrades, LED Lighting, Fluorescent Lighting, Troubleshooting And Much More!


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Starting a Case

Anyone 18 years of age or over can sue in Small Claims Court. If you are younger than 18, your parent or guardian may sue on your behalf. Only an individual can sue in Small Claims Court. Corporations, partnerships, associations, or assignees cannot sue in Small Claims Court. However, they can be sued in Small Claims Court. If you are a corporation, partnership, association or assignee, you can bring a Commercial Claim or Consumer Transaction. For more information, click on Commercial Claims and Consumer Transactions.

In general, the person suing is called the claimant. The person being sued is called the defendant. You may sue more than one person at the same time.

You must be the proper person to sue in Small Claims Court. For example, if you are involved in an accident while driving an automobile that is not registered in your name, you cannot sue for the damage caused to the automobile during the accident. Only the registered owner of the automobile can sue for the damages caused to the automobile.

To learn more about bringing a Small Claims Court case, continue reading below. You can also read the law on this procedure, by clicking on Civil Court Act section 1803 .

Where to Sue: Venue

A claimant must begin the lawsuit in the proper county. In general, a claimant can sue in the county where either party resides. If no party resides within the City, the action can be brought in the county where either party has employment or a business address. If the defendant does not have a residence, employment, or have a business address within the City of New York, you cannot bring the lawsuit in the Small Claims Court. To find the location in your county, click on Locations .

Starting the Case

To begin an action in Small Claims Court, a person, or someone acting on his or her behalf, must come to the Small Claims Court Clerk s office in the proper county and fill out a statement of claim. To find out where the clerk s office is located in your county, click on Locations. To find out when the Small Claims Court Clerk s office is open, click on Court Hours. You may also use an outside service to fill out your statement of claim and electronically file it with the Court. If you are interested in starting your case this way, click on electronic filing .

The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. The person filling out the statement of claim must be able to explain the reason for the lawsuit, know the amount of the claim, and have the correct name and address, including zip code, of the person or business that is being sued. If you are not sure of the correct name of the business, you should go to the County Clerk s office in the county where the business is located and look up the certificate of doing business, photocopy the certificate and bring it to the court. View and print the small claims claim form.

You can watch a short tutorial to explain how to fill in the form.

Small Claims Form Instructions:
Video (run time: 4:52 minutes/seconds, Windows Media format )
Written Transcript

You will have to pay the court fee to file your claim. If your claim is for an amount up to and including $1,000.00, there is a fee of $15.00. If your claim is for an amount over $1,000.00 and up to $5,000.00, there is a fee of $20.00. The fee must be paid by cash, certified check, money order or bank check made out to Clerk of the Civil Court. Personal checks will not be accepted.

The clerk will give you a date for the hearing. Small Claims Court hearings are usually held at 6:30 p.m. If you are a senior citizen, a disabled person, or a person who works during the evening, you may request that your small claims hearing be heard during the day. You or the person appearing on your behalf must show proof of age, or disability, or nighttime employment. The proof can be in the form of a letter from your job or from a doctor, a driver s license showing your birth date, or other similar documents.

If you live outside the City of New York and want to sue a party within the City of New York, you may file your claim by mail. Contact the Small Claims Court Clerk s office in the county where the defendant lives, works or has a place of business to obtain the necessary form.

The court system does not provide electronic filing at this time. However, several private vendors provide this service. The service provided by each of the vendors is different, and you must review their requirements. We advise that you review this entire website, as it offers a lot of information on how to proceed with your case.

The current vendors are:

Notifying the Defendant

After your claim is filed, the Small Claims Court clerk will serve a notice of your claim by sending it to the defendant. The notice of claim tells the defendant when to appear in Small Claims Court, and includes a brief statement of your claim and the amount of money you are requesting.

The notice of your claim will be sent to the defendant by certified mail and by ordinary first class mail. If the notice sent by ordinary first class mail is not returned by the post office within 21 days as undeliverable, the defendant is presumed to have received notice of your claim, even if the notice of claim sent by certified mail has not been delivered.

If the post office cannot deliver the notice of your claim (for example, the defendant may have moved without leaving a forwarding address), the court clerk will give you a new hearing date and will tell you how to arrange for personal delivery of the notice to the defendant. Anyone who is not a party to the small claim and who is 18 years of age or older can personally deliver the notice of claim to the defendant. The claimant or any other party to the action may not serve the notice of claim personally on the defendant.

If the notice of claim cannot be served on the defendant within 4 months after you filed your claim, your claim will be dismissed. If you learn new information about the defendant s location at a later date, you can file your claim again.

A small claims case will not proceed to trial until the defendant has been served with a notice of your claim.

The defendant may want to file a counterclaim. For information about this procedure, click on Counterclaims .

Preparing for Court

Before the date of the hearing, you should gather all the evidence that supports your claim or your defense. Evidence may include: photographs, a written agreement, an itemized bill or invoice marked paid, receipts, at least two itemized written estimates of the cost of services or repairs, a canceled check, a damaged item or article of clothing, or letters or other written documents. If there are records that are not in your possession, you may wish to subpoena them to be produced at the hearing date. For information about this procedure, click on Subpoenas .

You should also prepare any witnesses you plan to testify at the hearing in support of your claim or defense. The testimony of a person who has special or expert knowledge and experience concerning the subject of your claim may be necessary for you to prove your case. For example, if your claim involves the quality of medical care, you must find a doctor who is willing to give an opinion, in court, about the quality of the care you received. While you might find an expert witness who will testify at no cost to you, it is more likely that you will have to pay for an expert witness testimony.

If a witness, other than an expert witness, will not testify voluntarily, you can serve the witness with a subpoena requiring them to appear in court and testify. For information on how to do this, click on Subpoenas.