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Explore your options for affordable NY Big Rig Semi coverage, NY box trucks as well as light delivery trucks or vans (855) 826-0321.
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We are a licensed New York independent insurance agency serving the Empire State with multiple big rig insurance companies available for us to quote.
Call us today to get complete trucking for hire coverage as fast as possible 855-826-0321. Reliable and affordable all inclusive policies. Call us for you best rates for your for commercial truck insurance. Count on us for delivering unparalleled customer service to meet your load hauling needs.
MOST REQUESTED New York COVERAGE’S
Motor Truck Cargo Coverage
Commercial General Liability
Personal Injury Protection (PIP)
If you own and operate a commercial truck in New York State, then you must carry the appropriate insurance in order to legally operate your vehicle. Without it, you could be subject to costly fines and other penalties that could have a major impact on your business. Review and understand key elements of New York Commercial Truck Insurance, what the requirements are and provide some general advice on how to ensure that you are properly covered. We will also explain the different types of coverage available and what they cover, so that you can make an informed decision when selecting your policy.
What is New York Commercial Truck Insurance?
New York Commercial Truck Insurance is a specific type of insurance that applies to trucks operated in New York State. It consists of various coverages that protect your business from various risks such as liability for injuries to third parties, damage to property caused by your truck and more. Most states require different levels of insurance for different kinds of motor vehicles, and New York is no exception.
Depending on the type of truck you own, the level of insurance required may vary, so it’s important to speak with an independent insurance agent who specializes in commercial truck insurance before purchasing a policy. The requirements are listed in New York State Insurance Department regulations and can be found on the department’s website. Generally speaking, commercial truck insurance must include Financial Responsibility Benefits and Liability Coverage, as well as Medical Payments Coverage and Uninsured or Underinsured Motorists Coverage.
Financial Responsibility Benefits & Liability Coverage
Financial Responsibility Benefits are designed to provide protection if you are found liable for damages caused by a collision with another vehicle or pedestrian. Liability coverage is typically a mandatory requirement for commercial truck insurance policies in New York State. The required minimum limits vary depending on the size and weight of the truck and whether it carries hazardous materials or not, but typically range from $100,000/$300,000 to $1 million/$2 million.
These benefits can help offset the costs associated with medical bills incurred by the other driver or passengers involved in the accident and any legal expenses related to the incident. It can also cover property damages caused by your truck if you are deemed at fault. Therefore, carrying sufficient liability insurance is essential if you want to protect your business from potential financial losses in the event of an accident.
Medical Payments Coverage & Uninsured/Underinsured Motorists Coverage
Medical payments coverage helps cover medical costs if you suffer physical injuries due to an accident while operating your commercial truck. This coverage will pay for medical expenses regardless of fault and is not limited to just passenger vehicles; it can also apply if you are injured while in or on your vehicle, as long as it was being used for business purposes. It will usually pay up to $10,000 worth of medical bills and does not require a co-insurance payment from the insured driver or their business.
Uninsured or Underinsured Motorists Coverage helps protect you from any losses caused by uninsured or underinsured drivers. This type of coverage helps pay for medical bills and other expenses incurred due to an accident with someone who either does not have any insurance at all or has insufficient coverage to meet all of your needs. It is important to note that this coverage does not replace other forms of auto insurance; rather, it works alongside them and helps to protect you if someone else causes an accident that results in bodily injury or property damage.
Quality Assurance & Fleet Coverage
Quality Assurance coverage helps protect your business from liability arising out of defective products or services connected with the use of your trucks. This type of coverage often includes parts, labor and product liability protection as well as legal costs related to defending manufacturers or suppliers in court actions. Quality assurance coverage is particularly important if you transport hazardous materials or operate any kind of refrigerated truck that transports food or medicine.
Fleet coverage is designed to protect large fleets of vehicles that share liability risks associated with their operations. It helps spread risk across multiple vehicles and drivers so that one bad accident doesn’t have too much of an impact on your overall financial stability. It also helps limit losses due to theft or accidents involving multiple vehicles that occur at the same time. It’s important to note that fleet coverage is not available for individual drivers as it requires purchasing policies for each vehicle in the fleet at the same time.
Specialty coverage provides additional protection for unique risks associated with certain types of trucks such as tankers, flatbeds and dump trucks. Some examples include cargo loss/theft coverage which helps protect against loss of cargo due to theft or damage during transit; specialized equipment coverage which pays for repairs or replacements caused by mechanical breakdown; non-trucking application liability which covers liabilities associated with non-trucking tasks such as loading and unloading cargo; emergency roadside assistance coverage; trailer interchange coverage which pays for third-party damage resulting from a trailer interchange accident between two separate trucking companies; and rental trailer coverage which pays for rental trailer damages from an accident.
When operating a commercial truck in New York State, it is essential to make sure that you comply with all applicable laws and regulations regarding insurance requirements. Purchasing adequate insurance is the best way to protect your business from potential financial losses resulting from an accident or other incident while operating your truck. Be sure to speak with an independent insurance agent who specializes in commercial trucking insurance to help determine what type of policy best suits your specific needs and circumstances. With the right policy in place, you can rest assured knowing that your business is protected at all times while operating on New York State roads and highways.
Below are the classifications of New York commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for NY Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for New York Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following New York business types.
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – IMPOUND LOT – INTERIOR DECORATING – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – SNOW PLOWING – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
New York Heavy Construction Contractors-
SIC Code-1622-Bridge, tunnel, & elevated highway construction
SIC Code-1629-Heavy construction
SIC Code-1611-Highway & street construction
SIC Code-1623-Water, sewer, & utility lines
New York Petroleum & Coal Products-
SIC Code-2952-Asphalt felts & coatings
SIC Code-2951-Asphalt paving mixtures & blocks
SIC Code-2992-Lubricating oils & greases
SIC Code-2999-Petroleum & coal products
SIC Code-2911-Petroleum refining
New York Special Trade Contractors-
SIC Code-1751-Carpentry work
SIC Code-1771-Concrete work
SIC Code-1731-Electrical work
SIC Code-1794-Excavation work
SIC Code-1752-Floor laying & floor work
SIC Code-1793-Glass & glazing work
SIC Code-1796-Installing building equipment
SIC Code-1741-Masonry & other stone work
SIC Code-1721-Painting & paper hanging
SIC Code-1742-Plastering, drywall, & insulation
SIC Code-1711-Plumbing, heating, air-conditioning
SIC Code-1761-Roofing, siding, & sheet metal work
SIC Code-1799-Special trade contractors
SIC Code-1791-Structural steel erection
SIC Code-1743-Terrazzo, tile, marble, mosaic work
SIC Code-1781-Water well drilling
SIC Code-1795-Wrecking & demolition work
New York Transportation Equipment-
SIC Code-3724-Aircraft engines & engine parts
SIC Code-3728-Aircraft parts & equipment
SIC Code-3732-Boat building & repairing
SIC Code-3761-Guided missiles & space vehicles
SIC Code-3751-Motorcycles, bicycles, & parts
SIC Code-3716-Motor homes
SIC Code-3714-Motor vehicle parts & accessories
SIC Code-3711-Motor vehicles & car bodies
SIC Code-3743-Railroad equipment
SIC Code-3731-Ship building & repairing
SIC Code-3764-Space propulsion units & parts
SIC Code-3769-Space vehicle equipment
SIC Code-3795-Tanks & tank components
SIC Code-3799-Transportation equipment
SIC Code-3792-Travel trailers & campers
SIC Code-3713-Truck & bus bodies
SIC Code-3715-Truck trailers
New Jersey Transportation Services-
SIC Code-4731-Freight transportation arrangement
SIC Code-4785-Inspection & fixed facilities
SIC Code-4783-Packing & crating
SIC Code-4729-Passenger transport arrangement
SIC Code-4741-Rental of railroad cars
SIC Code-4725-Tour operators
SIC Code-4789-Transportation services
SIC Code-4724-Travel agencies
New York Trucking & Warehousing-
SIC Code-4215-Courier services, except by air
SIC Code-4221-Farm product warehousing & storage
SIC Code-4225-General warehousing & storage
SIC Code-4212-Local trucking, without storage
SIC Code-4214-Local trucking with storage
SIC Code-4222-Refrigerated warehousing & storage
SIC Code-4226-Special warehousing & storage
SIC Code-4213-Trucking, except local
SIC Code-4231-Trucking terminal facilities
New York Wholesale Trade – Nondurable Goods-
SIC Code-5181-Beer & ale
SIC Code-5192-Books, periodicals, & newspapers
SIC Code-5169-Chemicals & allied products
SIC Code-5143-Dairy products, exc. dried or canned
SIC Code-5122-Drugs, proprietaries, & sundries
SIC Code-5159-Farm-product raw materials
SIC Code-5191-Farm supplies
SIC Code-5146-Fish & seafood’s
SIC Code-5193-Flowers & florists’ supplies
SIC Code-5148-Fresh fruits & vegetables
SIC Code-5153-Grain & field beans
SIC Code-5149-Groceries & related products
SIC Code-5141-Groceries, general line
SIC Code-5113-Industrial & personal service paper
SIC Code-5147-Meats & meat products
SIC Code-5136-Men’s & boys’ clothing
SIC Code-5199-Nondurable goods
SIC Code-5142-Packaged frozen foods
SIC Code-5198-Paints, varnishes, & supplies
SIC Code-5171-Petroleum bulk stations & terminals
SIC Code-5172-Petroleum products
SIC Code-5131-Piece goods & notions
SIC Code-5162-Plastics materials & basic shapes
SIC Code-5144-Poultry & poultry products
SIC Code-5111-Printing & writing paper
SIC Code-5112-Stationery & office supplies
SIC Code-5194-Tobacco & tobacco products
SIC Code-5182-Wine & distilled beverages
SIC Code-5137-Women’s & children’s clothing
Is your New York commercial trucking for hire operation ready to haul loads?
To check whether your FMCSA operating authority has been issued(granted) or not do this,
- Go to the SAFER website
- See bold heading “FMCSA Searches”
- Click on “Licensing & Insurance”
- Enter MC Number or USDOT Number in the appropriate box and click “search”
- Click “HTML”
- Scroll to bottom and click on “Authority History.” This page will display the granted date of the operating authority
We have New York Big Rig Insurance Broker services in the following towns, cities and boroughs.
Albany County, Allegany County, Bronx County, Broome County, Cattaraugus County, Cayuga County, Chautauqua County, Chemung County, Chenago County, Clinton County, Columbia County, Cortland County, Delaware County, Dutchess County, Erie County, Essex County, Franklin County, Fulton County, Genesee County, Greene County, Hamilton County, Herkimer County, Jefferson County, Kings County, Lewis County, Livingston County, Madison County, Monroe County, Montgomery County, Nassau County, New York County, Niagara County, Oneida County, Onondaga County, Ontario County, Orange County, Orleans County, Oswego County, Otsego County, Putnam County, Queens County, Rensselaer County, Richmond County, Rockland County, Saint Lawrence County, Saratoga County, Schenectady County, Schoharie County, Schuyler County, Seneca County, Steuben County, Suffolk County, Sullivan County, Tioga County, Tompkins County, Ulster County, Warren County, Washington County, Wayne County, Westchester County, Wyoming County, Yates County,