First Heritage FirstClass · New York
See If You Qualify for FirstClass Commercial Auto
The program where First Heritage holds the underwriting in-house — so a real person prices your business for what it actually is.
Prefer to talk first? Call (631) 502-3122 · Mon–Fri 8:30am–6pm ET
What Happens After You Submit
No obligation, no sales pressure. If we can’t beat your current policy, we’ll tell you straight.
Prefer to talk first? Call (631) 502-3122 · Mon–Fri 8:30am–6pm ET
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. We’ll tell you either way.
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
How FirstClass Pricing Works
It isn’t a discount, a teaser rate, or a stripped-down policy. Your price is driven by how your business is classified — and businesses are often overpriced 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
Premium: priced as an average, not as you
FirstClass
You → First Heritage holds the underwriting authority → priced as your actual business
Premium: priced lower on comparable coverage
Savings are not guaranteed and vary by account. Any comparison is measured against your expiring premium on comparable vehicles and limits, and depends on individual underwriting factors. We’ll quote your specific situation against your renewal.
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 ReviewCommon Questions
What is FirstClass?
Yes. FirstClass is First Heritage’s own commercial auto program — you can’t get it by shopping around, going to another agency, or going direct to a carrier. First Heritage controls the program and makes the underwriting decision.
How can you help with costs?
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 are often overpriced 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.
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.
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 are not guaranteed and vary by account. Any comparison is measured against your expiring premium on comparable vehicles and limits, and depends on individual underwriting factors. 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).