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
"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
"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
"The BEST AGENCY! They are great, very patient, understanding and hard working. Also very welcoming and helpful. The manager is such a sweet and good-hearted person. They are all great at what they do."
Alyssa G. - Google Review
"Got dropped by my insurance company and had to search for new insurance. Tiffany helped me beyond expectations and even after hours since my insurance was expiring the next day. Highly recommend First Heritage for anyone in a tough spot."
Murad S. - Google Review
Why Choose FHIA for Trucking Insurance
We are not a call center or a quoting platform. First Heritage is an independent brokerage where your policy is personally underwritten by our founders.
Exclusive & Direct Access
No brokers involved. You work directly with our underwriting team from quote to policy.
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.