NYC Trucking Insurance for all five boroughs — one broker.
From owner-operators to growing fleets across Brooklyn, the Bronx, Queens, Manhattan and Staten Island — plus Long Island — NextGuard places NY-compliant trucking coverage with A-rated carriers. Fast quotes, filings handled, every line under one roof.
Coverage
Every line an NYC motor carrier needs — under one roof
Whether you're running last-mile box trucks through Manhattan, reefer loads out of Hunts Point, or containers off the Staten Island terminal, we structure the program around how you actually operate.
Commercial Auto Liability
Primary liability that meets NY State and FMCSA filing requirements (MCS-90, BMC-91) for intrastate and interstate operations.
Physical Damage
Collision and comprehensive on tractors, trailers, box trucks and equipment — stated value or ACV, with theft coverage that matters in the five boroughs.
Motor Truck Cargo
Protects the freight you haul — general commodity, refrigerated, container and distribution loads — with limits that satisfy shipper contracts.
Non-Trucking Liability (Bobtail)
Coverage when you're driving without a load or off dispatch — essential for leased owner-operators.
General Liability
Premises and operations coverage for your yard, terminal or warehouse — often required on NYC facility leases and shipper contracts.
Workers' Compensation
Mandatory NY workers' comp for drivers and yard staff, structured to keep you compliant and audit-ready.
Trucks we insure across NYC:
Trucking Insurance by Area
Every borough & Long Island
Pick your area for a page built around how trucking works there:
Brooklyn →
Trucking Insurance
The Bronx →
Trucking Insurance
Queens →
Trucking Insurance
Manhattan →
Trucking Insurance
Staten Island →
Trucking Insurance
Long Island →
Nassau & Suffolk
Statewide (upstate): New York State Trucking Insurance · En español: Seguro de Camiones en Nueva York
Why NextGuard
A specialty brokerage — not a call-center quote mill
Global capacity, local hands
Backed by a top international broker with worldwide offices and specialists in the most complex risks — placing coverage through Lloyd's, London and A-rated international carriers, not just one domestic market.
Filings done for you
MCS-90, BMC-91, NY intrastate filings and certificates of insurance issued fast, so you stay dispatch-ready.
Trilingual service
We work with you in English, Spanish or Portuguese — start to finish, from application to claim.
We shop the market
Multiple carriers, wholesale and specialized capacity — we bring that firepower to a single truck or a growing fleet so you never depend on one market's appetite.
FAQ
NYC trucking insurance questions
How much does commercial truck insurance cost in NYC?
For a New York motor carrier with a clean record, commercial truck premiums generally run about $10,000–$15,000 per truck per year — and NYC operations typically land at the higher end (or above) due to traffic density, no-fault PIP, and theft exposure. Your radius, commodity, driver records, equipment value and years in business all move the number. Presentation matters: we structure your submission and shop multiple A-rated markets to get the sharpest rate.
How much coverage do I need to run in New York?
FMCSA sets minimum liability by what you haul: $750,000 for general freight, $1,000,000 for oil, and $5,000,000 for hazardous materials. New York also mandates $50,000 PIP (no-fault). Many NYC shippers, freight brokers and facility leases require a $1,000,000 combined single limit plus cargo and general liability. We confirm the exact limits your contracts and filings require.
Do you cover single owner-operators as well as fleets?
Yes. We place coverage for single-truck owner-operators, leased drivers needing bobtail/non-trucking liability, and fleets of every size across all five boroughs — all through one broker.
Can you handle my FMCSA and NY filings?
Absolutely. We issue MCS-90 and BMC-91 filings, NY intrastate filings, and certificates of insurance quickly so you can keep operating without gaps.
How fast can I get a quote?
Most NYC trucking quotes are turned around within 24 hours once we have your basic operation details, driver info and loss history.
One submission, done right
Calling 10 agencies actually slows you down — and costs you options
In commercial trucking, insurers award your account to the first broker who submits it — it's called market clearance. When several agencies send the same operation to the same carriers, those markets get blocked or decline outright. So sending your account to 10 agencies doesn't get you more quotes — it shrinks your options and delays every one.
Give it to one broker who controls a clean submission to the full market. We shop Lloyd's, London and A-rated carriers on your behalf — once — and bring you the strongest terms, faster.
Get your NYC trucking quote
Tell us about your operation. We'll shop A-rated markets and come back fast — usually within 24 hours.