Exclusive Commercial Auto Coverage Built for New York Fleets
Tailored protection. Faster approvals. Smarter underwriting — all from a partner who puts your business first.
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We’re Redefining What Commercial Auto Insurance
At First Heritage Insurance Agency, we don’t just sell policies we underwrite and manage our exclusive commercial auto program in-house. That means faster decisions, direct communication, and coverage that’s designed around how your fleet actually operates.
Why Choose the First Heritage Commercial Auto Program
- Exclusive & Direct Access (No Brokers Involved)
- Flexible, Common-Sense Underwriting
- Personally Underwritten by Our Founders
- Tailored for New York Fleets
- Faster Turnaround — We Control the Process
- Custom Solutions, Not Cookie-Cutter Coverage
We’re Redefining What Commercial Auto Insurance
We specialize in fleets ranging from 3 to 100+ vehicles across a variety of industries:
Local Delivery Services
Unionized Transportation
Beverage and food distributors
Plumbing, HVAC, and construction fleets
Private sanitation and carting fleets
Security and patrol firms
Moving companies
Building supply companies
If your business relies on vehicles in the New York metro area, we’re built for you.
Program Coverage & Capabilities
- Up to $1 Million Auto Liability Limits
- Physical Damage: Comprehensive & Collision
- Hired & Non-Owned Auto
- Broad Form Endorsements
- 24/7 Claims Reporting
- No Glass Restrictions (in most cases)
- Premium Financing & Payment Plans
- DOT & FMCSA Compliance Support
- Fleet Safety Consulting (on request)
More Than a Policy — We Help You Operate Smarter
Safer Report Reviews
Fleet Audits & Risk Assessments
Subcontractor Vetting Guidance
What Our Clients Say
“We saved thousands and got better coverage. John’s team actually understood our business.”
— HVAC Contractor, Long Island
“Other brokers couldn’t even get us a quote. John got it done — fast.”
— Beverage Distributor, Queens
Let’s Talk About Your Coverage Needs
Tailored protection. Faster approvals. Smarter underwriting — all from a partner who puts your business first.