First Heritage FirstClass · New York Commercial Auto
Stop Flying Coach on Commercial Auto. Upgrade to FirstClass.
Many businesses fly coach without knowing it — handed off to a carrier, slotted into a broad category, and priced as an average. First Heritage FirstClass is the upgrade: we hold the underwriting ourselves, so a real person prices your business for what it actually is. Qualified businesses save 15–30% versus comparable market quotes.
Why FirstClass Can Cost Less
It isn’t a discount, a teaser rate, or a stripped-down policy. In commercial auto, your price is driven by how your business is classified — and businesses can overpay because they’re slotted into a broad, generic classification and priced as an average. Because First Heritage holds the underwriting, we price you, not your category.
The Usual Way
You → your broker ships your info to a carrier → classified by a one-size-fits-all process → priced as an average business in your category
A generic broker hands you off and a carrier prices you as an average risk. Misclassification is a common reason businesses overpay — you’re not too risky, you were just placed in the wrong category.
Premium: priced as an average, not as you
FirstClass
You → First Heritage holds the underwriting authority → priced as your actual business
We are the underwriter — so we price you, not your category. A real person who understands your operation classifies it correctly and builds the policy with you. Nothing is outsourced, so any savings is structural, not a coupon that snaps back later.
Premium: 15–30% lower on comparable coverage
Savings of 15–30% apply to qualified businesses and depend on individual underwriting factors; actual results vary by account. Savings are measured against expiring premium on comparable vehicles and limits. We’ll quote your specific situation against your renewal.
Five Things That Define FirstClass
Everything about the program ladders up to these five. They’re the reason a New York business calls First Heritage in the first place.
Our Own Program
FirstClass is First Heritage’s own commercial auto program, so it is written through us rather than shopped to another agency or bought direct from a carrier.
An Upgrade, Not a Discount
Qualified businesses save 15–30% — because we classify and price you correctly, not because you’re getting less. You’re being moved up to FirstClass, not handed a cheaper seat.
We Control the Underwriting
Nothing is outsourced. First Heritage runs the whole process in-house, from proposal to bind — which is exactly where the savings come from. That control is the proof behind the price.
Priced as a Business, Not a Bucket
Your premium is driven by how you’re classified, and businesses are often placed into a broad, generic classification and priced as an average. Because we hold the underwriting, we classify you as your actual operation — so you’re priced for who you really are, not a generic category you don’t belong in.
A Conversation, Not a Funnel
A real, personalized look at your business — your trucks, your drivers, your history — not a form that disappears into someone else’s system. We work with you to price it right. It’s never one-size-fits-all.
What FirstClass Includes
Full commercial auto coverage built for New York businesses. No bare-minimum policies, no surprise gaps — coverage is written to comparable limits and terms, and any savings come from how the program is run, not from cutting corners.
Single-limit or split-limit options
Comprehensive & Collision on all units
Covers rentals + employee personal vehicles
Drive-other-car, fellow employee, more
Direct claims line, after hours included
Full glass coverage in most cases
Monthly payment plans available
Filings, MCS-90, BOC-3 when needed
Who Qualifies
Built for New York businesses with commercial vehicles — any fleet size, from a few trucks to a fleet of a thousand. Not every business qualifies; eligibility is determined through our underwriting process.
Industries we write under FirstClass
- General contractors
- Roofing & siding
- Excavation & concrete
- Plumbing & HVAC
- Electricians
- Landscapers & snow plow ops
- Beverage & food distribution
- Cleaning companies
- Pest control
- Junk removal
- Couriers & last-mile delivery
- Tow operators
- Food trucks
- Auto detailing & mobile mechanics
- Pressure washing
- Security & patrol firms
Not Sure If You Qualify for FirstClass?
A specialist will look at your business, your vehicles, and your current policy. If we can’t beat what you’ve got, we’ll tell you straight. No obligation, no pressure.
What New York Business Owners Say
★★★★★ 1,500+ Google Reviews
★★★★★
“From the very first hello, they made me feel like they were here to help. I had two days to get coverage and was desperately looking. They found the best rate and made the process seamless.”
Carole P. · Google Review★★★★★
“I’ve had First Heritage for over 2 and a half years. Friendly, responsive, and always looking out for my best interest. I can’t recommend them enough.”
Ashley L. · Google ReviewSee If You Qualify for FirstClass
Tell us about your business and we’ll review your vehicles, current policy, and operations — then come back with a same-day or 24-hour quote. No obligation.
No obligation, no sales pressure. If we can’t beat your current policy, we’ll tell you straight. Many businesses we review save 15–30% — some don’t, and we say so.
Prefer to talk first? Call (631) 502-3122 · Mon–Fri 8:30am–6pm ET
Common Questions
Can I get FirstClass anywhere else?
FirstClass is First Heritage’s own commercial auto program, so it is written through us rather than through another agency or direct from a carrier.
How can you save me 15–30%?
Because we control the whole process ourselves and we classify you correctly. In commercial auto, your price is mostly driven by how your business is classified — and businesses can overpay because a generic broker submits them under a broad classification and a carrier prices them as an average. We don’t outsource the underwriting; a real person who understands your operation prices you, not your category. Coverage is written to comparable limits and terms — any savings comes from getting the classification right, not from cutting corners.
Is this a discount that goes away, or am I getting less coverage?
Neither. Coverage is written to comparable limits and terms, and the price isn’t a teaser that climbs at renewal. The savings come from getting your classification right and underwriting it in-house — not from cutting your coverage or adding cost later. It’s a better price because we price you correctly, not because you’re getting less.
What size fleet do I need?
Any size. FirstClass works for a business with a few trucks or a fleet of a thousand. What matters is whether your business qualifies — and a short conversation tells us that.
I’m already insured — should I switch right now?
No. We review your current policy first. If we can’t beat the coverage at a better price, we’ll tell you straight. Many businesses we review save 15–30%; some don’t, and we say so.
What do I need to get a quote?
A short conversation about your business and your vehicles, plus a copy of your current declarations page if you have one. That’s enough for us to put a real number in front of you.
Savings of 15–30% apply to qualified businesses and depend on individual underwriting factors; actual results vary by account. Savings are measured against expiring premium on comparable vehicles and limits. Eligibility and final pricing are determined through First Heritage’s underwriting process. FirstClass is a commercial auto insurance program offered and administered by First Heritage Insurance Agency Inc. Coverage is underwritten and issued by one or more of the following insurers, each a member of the Old Republic Insurance Group with principal offices in Blue Bell, Pennsylvania: Pennsylvania Manufacturers’ Association Insurance Company (NAIC 12262), Manufacturers Alliance Insurance Company (NAIC 36897), or Pennsylvania Manufacturers Indemnity Company (NAIC 41424). The issuing insurer for your policy is identified on your declarations page. First Heritage Insurance Agency Inc. is licensed as an insurance producer in New York (licence nos. BR504706 and PC504706).