Long Island Trucking Insurance Built for the LIE, Hauppauge & the whole Island.
From owner-operators on the LIE to construction, dump and distribution fleets across Nassau and Suffolk — NextGuard places NY-compliant trucking coverage with A-rated carriers. Fast quotes, filings handled, one broker for every line.
Coverage
Every line a Long Island motor carrier needs — under one roof
Whether you're hauling out of Hauppauge Industrial Park or running last-mile box trucks across Nassau and Suffolk, 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, dump bodies, box trucks and equipment — stated value or ACV, with theft coverage that matters in the metro.
Motor Truck Cargo
Protects the freight you haul — general commodity, construction materials, refrigerated 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, shop or warehouse — often required on Long Island facility leases, GCs 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 Long Island:
Local Ground
We know the roads your trucks actually run on the Island
Long Island runs its freight on the LIE, Sunrise Highway and the Route 110 corridor — because trucks are banned from the parkways, and the low parkway clearances aren't forgiving. Add Hauppauge Industrial Park, one of the largest in the country, and heavy construction across Nassau and Suffolk, and underwriters price this market carefully. We know how they read it, and how to present your operation so you don't overpay for it.
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
Long Island trucking insurance questions
How much does trucking insurance cost on Long Island?
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 downstate NY operations typically land at the higher end (or above) due to traffic density 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 for your operation.
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. Many Long Island shippers, GCs and facility leases also require a $1,000,000 combined single limit plus cargo and general liability. We confirm the exact limits your contracts and filings require so you're covered and compliant.
Do you cover construction, dump and distribution fleets?
Yes. Dump trucks, flatbeds hauling materials, and distribution/last-mile fleets are core Long Island business for us — including the general liability and cargo limits GCs and shippers require to get you on the job.
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 — 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 Long Island trucking quotes are turned around within 24 hours once we have your basic operation details, driver info and loss history. Complete the form or call us and we'll get moving today.
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 Long Island trucking quote
Tell us about your operation. We'll shop A-rated markets and come back fast — usually within 24 hours.
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