Trucking Insurance in New York
Specialized coverage for long-haul, interstate, and heavy commercial truck operations.
First Heritage Insurance Agency has dedicated programs for trucking and freight operations that fall outside standard commercial auto. If you operate semi-trucks, flatbeds, refrigerated trailers, or haul under an interstate DOT authority, you need coverage built for the unique risks of long-haul and freight work.
Who This Is For
Our trucking program is designed for businesses operating:
- Semi-trucks and tractor-trailers
- Flatbed trucks hauling machinery, materials, and oversized loads
- Refrigerated (reefer) trucks transporting temperature-controlled freight
- Owner-operator rigs under their own or leased authority
- Hotshot trucking operations running expedited freight
- Interstate carriers requiring FMCSA filings and Form MCS-90
What We Cover
Trucking policies differ substantially from standard commercial auto. A full trucking program typically layers these coverages:
- Primary Liability - $750K to $1M+ CSL to meet FMCSA minimums and customer requirements
- Physical Damage - Comprehensive and collision on tractors, trailers, and equipment
- Motor Truck Cargo - Protects the freight you haul from damage, theft, and perils in transit
- Non-Trucking Liability (Bobtail) - Coverage when the tractor is not under dispatch
- Trailer Interchange - Protects trailers you pull under interchange agreements
- Occupational Accident - For owner-operators who are not employees
- General Liability - Protects against premises and operations claims
Explore by Vehicle Type
- Semi-Truck Insurance
- Flatbed Truck Insurance
- Refrigerated Truck Insurance
- Hotshot Trucking Insurance
- Owner-Operator Truck Insurance
- Motor Truck Cargo Insurance
FMCSA & DOT Compliance
Interstate carriers must maintain minimum $750,000 liability (higher for hazmat or passengers), file Form MCS-90, and comply with DOT vehicle inspection requirements. FHIA handles FMCSA filings, MCS-90 endorsements, and regulatory documentation so you stay compliant without the paperwork burden.
Why Trucking Is a Separate Program
Standard commercial auto policies are built for work trucks, service vans, and light fleets. Trucking coverage is a different product with different carriers, underwriting criteria, and pricing. If you operate under an interstate DOT authority or run any vehicle over 26,001 lbs GVWR, you need a dedicated trucking policy.
If you operate work trucks, vans, or service fleets that stay local, our Commercial Auto Insurance program is the right fit.
Not Sure If Your Business Qualifies?
Our commercial auto specialists can review your fleet, drivers, and operations to find the right coverage at the best rate. No obligation, no pressure.
Most businesses get a quote within 24 hours
What Our Clients Say
"From the very first hello, Tiffany made me feel like she was here to help me. I had 2 days to receive car insurance and was desperately looking. She found me the best rate and made the whole process seamless. I could not be more grateful."
Carole P. - Google Review
"We run 15 service vans on Long Island and First Heritage got us preferred tier pricing that our previous broker said was impossible. Their knowledge of the commercial auto market in New York is unmatched."
David K. - Google Review
"First Heritage saved our construction company over $12,000 on our fleet policy. They found carriers that actually understood our business instead of treating us like a number. Best decision we made for our commercial auto coverage."
Mike R. - Google Review
"After getting non-renewed by our carrier, First Heritage placed our entire fleet within a week. Professional, responsive, and they actually understand the insurance needs of New York businesses. Cannot recommend them enough."
Jennifer M. - Google Review
Why Choose FHIA for Trucking Insurance
We are not a call center or a quoting platform. First Heritage is the managing general agency (MGA) behind FirstClass, our own commercial auto program. If your fleet qualifies, our in-house team makes the underwriting decision under authority delegated by the program’s insurers. If it isn’t a fit for the program, we place it with other carriers we represent. Either way, the same licensed team handles your account from first quote to bound policy.
FirstClass policies are issued by Pennsylvania Manufacturers’ Association Insurance Company (NAIC 12262), Manufacturers Alliance Insurance Company (NAIC 36897), or Pennsylvania Manufacturers Indemnity Company (NAIC 41424) — all members of the Old Republic Insurance Group, each with its principal office in Blue Bell, Pennsylvania. Your issuing company is identified before you bind. Accounts placed outside the FirstClass program are written by other insurance carriers we represent. First Heritage Insurance Agency Inc. is licensed as an insurance producer in New York (licence nos. BR504706 and PC504706).
Direct Access, No Hand-Offs
You work directly with the team that underwrites FirstClass accounts — and when a fleet isn’t a fit for the program, the same people place it with the carriers we represent.
Flexible, Common-Sense Underwriting
We look at the full picture of your business, not just a risk score. Real underwriting by real people.
Tailored for Trucking Insurance
Custom coverage solutions built specifically for your operation, not cookie-cutter packages.
Faster Turnaround
We control the process from start to finish. Most quotes delivered same day, COIs within 24 hours.