Trucking Insurance

G5 Insurance Agency proudly offers trucking insurance in New York, New Jersey, and Pennsylvania. Call 845-842-1226 to learn more or get a quote.

Commercial truckers face financial risks that are different from those of typical drivers. Therefore, you need specialized insurance coverage that is tailored to your unique needs. Exactly what coverage you need depends on whether you are a leased owner-operator or an owner-operator with authority.

Leased Owner-Operators

In most cases, your motor carrier will provide primary liability insurance while you are under contract. However, you may need additional coverage to fill in the gaps in coverage. Examples include: 

  •         Non-trucking Liability: If you plan to use your truck as a personal vehicle when you are off the clock, even just to pick up groceries or grab some dinner, you need this endorsement to extend your primary liability coverage.
  •         Bobtail Liability: This endorsement covers the truck when no trailer is attached, whether or not you are on an official dispatch. We will look at your existing coverage to see if you need this separate endorsement.
  •         Physical Damage: Your motor carrier may or may not provide this coverage. If not, then you definitely need a separate policy to cover any physical damage to the truck. There are several options, from basic collision insurance to full comprehensive coverage.

Owner-Operators with Authority

If you are not operating under a motor carrier lease, you are considered an owner-operator with authority. This means that you are responsible for all your own insurance, including: 

  •         General Liability: This is basic business insurance that covers bodily injury, property damage, and other claims against you for incidents that occur while engaged in business activities that do not directly involve your truck.
  •         Motor Truck Cargo: This insurance covers goods that are damaged while in your custody, including refrigeration breakdown and debris removal.

You should also strongly consider the insurance types detailed in the leased owner-operator section, as they apply to owner-operators with authority as well. Numerous policy add-ons are also available to provide more comprehensive coverage.

Call G5 Insurance Agency at 845-842-1226 to learn more or get a quote.

It is a pleasure doing business with Eric Goldstein. Eric is knowledgeable in all aspects of the insurance industry and he works tirelessly to get us the best possible coverage, while looking to help save us money. Eric would even offer us new types of insurances that we never thought of, upon renewal; like Cyber insurance, to make sure that our company was protected completely as his client.

Michele Elliott, VP of HR & Finance

We have worked with Eric for 10+ years and even being out of state we always felt we were a priority and our insurance needs were handled in a professional manner.

Pegeen Luther, Natrel Comm.

We have used Eric Goldstein for our business insurance needs for the past ten years and just recently moved all of our personal insurance to him as well. During that time he has been professional, very approachable and always knowledgeable about the business, ensuring we get the best rates and products available.  He and his staff are extremely easy to work with and always get you what you need in a timely manner.

Julie Wittenberg, COO

I have had the pleasure of working with Eric for my vehicle insurance for a few years now, after a nightmare with my last broker, Eric swooped in, took over my account and put my mind at ease. Eric put in time and consideration when looking for a policy that fit my needs and my wallet. I highly recommend Eric, he is not only personable but also very business savvy.

Jennifer Edwards, Livingston Manor, NY
Person paragliding over water

I have worked with Eric for more then a decade.  Every interaction is easy, simple and informative.  When I have had to file a claim Eric is there to assist and then to follow up directly.  Effectively, all of the headaches that accompany buying, needing or filing insurance claims are eliminated because of Eric.  I would highly recommend to anyone to utilize his services!

Adam Hait, President at Schraft's 2.0

For 7 years we’ve worked with Eric Goldstein for all our insurance needs.  Eric is a trusted business consultant for our companies and always leads us in the right direction to protect all our business and personal interests. It’s not very often you can find someone that answers their cell phone 24 hours day/7 days a week.  He is always personally there to help with anything that comes about, taking time and patience to walk us through. We can assure you that using this company will be a great decision for your insurance needs.

Nancy Price, Office Manager at Jus-Sar Fuel, Inc.