New York Commercial Truck Insurance
Searching for a commercial truck insurance quote in New York? With offices in the Tri-State area, NITIC takes pride in offering our clients superior commercial truck insurance options in New York. We insure all types of commercial trucks for owner-operators and private carriers as a top commercial truck insurance provider in the United States, providing highly flexible coverage at extremely affordable prices. With an A+ BBB rating, and over 100 5-star Google Reviews, there’s a reason why we’re one of top insurance companies for truckers. For a commercial truck insurance coverage quote to meet your needs, contact us right away!
NITIC Proudly Leads in New York as a A.M Best Rated Commercial Truck Insurance Company!
Get it at the most competitive rates from a leading commercial truck insurance company!
As a leader providing commercial truck insurance, and with an A.M. Best Rating of National Independent Truckers Insurance Company, RRG., the NITIC team stands by to offer a competitive insurance quote to meet your coverage needs. Whether a fleet of company cars or the owner’s personal vehicle, every New York trucking firm that employs trucks for commercial reasons is required to carry commercial truck insurance. At first, it could seem tough to insure your huge truck, but after you know the essential requirements and options, you’ll be well on your way to protecting your trucking business.
You may get assistance with the process and quick, affordable coverage from the NITIC team of commercial truck insurance specialists.
What can NITIC offer truckers like you?
At NITIC, we try to make it more and simple to compare commercial truck insurance quotes. We are aware of all the hazards connected to the trucking industry, and with this in mind, we customize the coverage to meet your specific needs. Also, in case of any claim request, it will be resolved within a few hours. So get your personalized, free quotation from a top American insurance provider today!
A small sample of areas we cover in New York
We provide coverage for all New York cities, including the following when it comes to commercial truck insurance:
- New York
- Albany
- Buffalo
- Rochester
- Syracuse
- Utica
- Yonkers
- Ithaca
- Newburgh
- White Plains
- Elmira
- Oswego
- Glens Falls
- New Paltz
- Patchogue
- and surrounding towns and cities
Customers in these New York cities can choose from a variety of discounts. For the best protection for your business, just give us a call.
Commercial Truck Insurance Requirements in New York
Every state has minimum coverage requirements; for instance, every truck owner-operator is required to have third-party insurance that will cover property damage and personal injury in the case of an accident. To protect your trucking company in New York from any unforeseen events like crashes, vandalism, natural disasters, theft, and more, you need adequate commercial truck insurance.
With NITIC, you can access the following coverages that will help you in running your trucking operations smoothly while providing excellent financial assistance in New York:
Get in touch with us to learn more about any of the aforementioned coverages, and we’ll let you know how much it will cost to have it tailored to your company.
What types of commercial trucks do we offer coverage in New York?
When it comes to the sorts of trucks to insure for your company, we in New York have the requisite experience. The many truck types for which we offer coverage are listed below:
- Box trucks
- Dump trucks
- Hotshots
- Tow trucks
- Semi-trucks
- Private Carrier
- Owner Operator
Need a free consultation? Give us a call. We will be right back to you.
Bobtail and Non-Trucking Liability Insurance in New York
Bobtail Insurance
Bobtail insurance is a specialized form of coverage tailored for New York owner-operators who drive their commercial trucks without a trailer, often referred to as “bobtailing.” This insurance provides protection during the times when you’re off-duty or not hauling a load for your motor carrier. It becomes particularly relevant when you’re driving the truck for personal use or for purposes unrelated to your contracted carrier in New York or out of state. The essence of bobtail insurance lies in filling the gaps left by primary liability coverage. While your motor carrier’s insurance typically covers you when you’re on duty, bobtail insurance steps in to protect you during off-duty hours or when the truck is not in active service for your carrier. It serves as a safety net, ensuring that you have coverage even during those non-operational periods, offering peace of mind for owner-operators.
Non-Trucking Liability Insurance
Non-Trucking Liability insurance is another crucial element in the insurance portfolio for owner-operators in New York. This coverage addresses situations when you’re using your commercial truck for non-business, personal purposes. It kicks in when you’re off the clock and not engaged in any work-related activities for your motor carrier.
In essence, non-trucking liability insurance provides protection during your personal use of the truck, covering bodily injury and property damage liabilities. It’s designed to bridge the gap between the coverage provided by your motor carrier and your personal insurance when you’re not actively working. Whether you’re running personal errands or simply enjoying time off, non-trucking liability ensures that you have the necessary protection in place.
Understanding the nuances of both bobtail insurance and non-trucking liability is essential for owner-operators, as it ensures comprehensive coverage for various aspects of their trucking journey. These specialized insurance options contribute to a well-rounded risk management strategy, providing financial protection and peace of mind, both on and off the road.
Why do you require Commercial Truck Insurance in New York?
Without commercial vehicle insurance protection, your company may face legal and financial risks. Any company with its own automobiles in New York is required to have auto liability insurance at the very least.
You could have to pay a hefty settlement or lawsuit if any of your company’s trucks causes an accident. The other car or property damage, medical expenses, missed earnings, pain, suffering, and any connected expenditures, would probably be your responsibility.
In addition, not having motor insurance might result in serious consequences. Having business vehicle insurance provides a lot of benefits in New York, such as the following:
- Covers the third-party costs (bodily injury and property damage).
- Covers all of your property damage and personal injuries.
- Defends against any legal action brought by accident victims
- Pay all medical costs.
- Covers any freight damage to your transport.
New York Commercial Truck Insurance Cost
While each New York driver’s situation is unique, the average commercial truck insurance premium in New York for drivers with a clean driving record is between $10,000 – $15,200 per year, depending on the type of truck they are looking to insure.
Read more on New York commercial truck insurance costs here!
Example New York Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your New York insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.
|
Limit of Liability
|
$300,000
|
$500,000
|
$750,000
|
$1,000,000
|
|---|---|---|---|---|
|
Dump Truck
|
$10,200
|
|
|
|
|
Box Truck
|
$10,200
|
|
|
|
|
Tow Truck
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$10,200
|
|
|
|
|
Tractor Trailer
|
|
|
$12,800
|
$15,200
|
To find out how much you can expect to pay for your commercial truck insurance in New York, contact our team today for a quick and easy quote.
New York Commercial Truck Insurance Filings
Securing authority to operate as a carrier in New York is a significant milestone, but ensuring compliance with necessary insurance filings is equally critical. The National Independent Truckers Insurance Company (NITIC) stands as a valuable partner to assist you with essential insurance filings once you’ve been granted authority by the FMCSA
At NITIC, we go beyond insurance coverage for New York truckers by offering a comprehensive suite of insurance services to support your success as a carrier. Trust us to navigate the complexities of insurance filings, allowing you to focus on what you do best—moving your business forward. Contact NITIC today for personalized assistance with ICC, MCS90, Form E, and Form H filings after obtaining authority.
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