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Commercial Auto & Trucking Insurance Built Around Your Business
Whitestone helps business-vehicle operators, owner-operators, motor carriers, fleets, service businesses, delivery operations, and other eligible commercial risks explore appropriate insurance options — from a single service van to a growing fleet of trucks.
Licensed in NY, NJ, CT, PA, OH, DE & SC — and expanding into additional states.
Commercial Auto or Trucking?
These are related but distinct categories. Which one applies to your operation depends on your authority, vehicle type, radius, commodity, and how your business actually operates — not just the size of the vehicle.
Commercial Auto
Typically business-use vehicles that support an operation rather than haul freight for hire over the road:
- Service and contractor vehicles
- Vans and pickups
- Local delivery vehicles
- Business-owned cars
Trucking
Typically motor carriers and for-hire or authority-based freight operations:
- Owner-operators and motor carriers
- Semis and tractor-trailers
- Box trucks and hotshot operations
- Fleets and for-hire operations
Actual classification depends on your operation, authority, radius, vehicle, commodity, and carrier underwriting — not a simple checklist. We'll help you review where your operation fits.
What Type of Vehicle or Operation Do You Run?
A quick way to see where your operation may fit. Coverage options and requirements vary by category and carrier.
Owner-Operators
Independent operators leased to a carrier or running under their own authority.
Fleets
Multiple trucks or vehicles under one business, owned or leased.
Box Trucks
Straight trucks used for freight, delivery, or moving services.
Hotshot
Smaller trailers pulled by pickups for expedited freight.
Local Delivery
Vans and light trucks making regular local delivery runs.
Service Vehicles
Contractor, trade, and service-business vehicles supporting daily operations.
Auto haulers and other specialty operations may also be eligible depending on actual market and product availability — ask our team.
Coverage Built for Commercial Auto & Trucking
We help you review available options across the coverages a commercial or trucking operation may need.
Primary Liability
Bodily injury and property damage liability for covered accidents, subject to policy terms and applicable limits.
Learn more →Motor Truck Cargo
May cover certain physical loss or damage to freight in the carrier's care, subject to policy terms and commodity restrictions.
Learn more →Physical Damage
May provide collision and comprehensive coverage for scheduled trucks, tractors, and trailers, subject to policy terms.
Learn more →Bobtail / Non-Trucking Liability
May address certain qualifying bobtail, personal-use, or off-dispatch liability exposures, subject to policy definitions.
Learn more →Commercial Auto
Coverage options for eligible business-use vehicles, subject to ownership, use, and underwriting guidelines.
Learn more →General Liability
May address certain third-party bodily injury and property damage liability arising from business operations, subject to policy terms.
Learn more →Workers' Compensation
Required for most employers with employees in applicable states, subject to state law and policy terms. Occupational accident coverage is a different product, available for certain owner-operators.
Learn more →DOT & MC Setup
Guidance on USDOT Numbers, MC operating authority, BOC-3, Motus registration, and insurance filings for new operations.
Learn more →Owner-Operator or Fleet — the Insurance Conversation Is Different
Owner-Operators
Whether you're leased to a carrier or running under your own authority, we help you review bobtail/NTL, primary liability, physical damage, and DOT/MC setup questions specific to independent operation.
Review Bobtail / NTL Coverage →Fleets
Multiple vehicles bring different underwriting questions — driver qualification, loss history, scheduled equipment, and coordinated renewal timing across the fleet.
Review Fleet Physical Damage →
New Venture or Established Operation
Just getting your authority set up? We help explain USDOT Numbers, MC operating authority, BOC-3, and the insurance filings that may be required before you can begin operating.
Already running? We help review your existing program for coverage gaps, renewal timing, and whether your current setup still matches your operation.
Explore DOT & MC Setup
Focused on Commercial Auto & Trucking
Whitestone Insurance Services LLC — licensed in NY, NJ, CT, PA, OH, DE & SC. We do not guarantee placement, lowest rates, instant approval, or same-day coverage; available options depend on underwriting, carrier guidelines, and applicable state requirements.
A Simple, No-Pressure Process
We help explain the process and review available options — we do not promise the lowest price or guaranteed placement with any specific insurer.
Vehicle type, authority status, commodities, and operating radius.
Our team reviews coverage options that may be available and explains them clearly.
You decide which option works best. We help you complete the application and next steps.
Schedule a Trucking Insurance Consultation
Choose a convenient time to speak with a Whitestone trucking insurance agent.
Ready to Review Your Commercial Auto or Trucking Coverage?
Start a quote or talk with our team about your operation — owner-operator, fleet, or business vehicle.
Ready to Get Started? We're Here.
Fill out the form and a member of our team will contact you regarding your commercial auto or trucking coverage request.