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About Whitestone Insurance Services
Independent insurance agency serving individuals, families, business owners, and commercial transportation clients across multiple states.
A Multi-State Independent Agency
Whitestone Insurance Services LLC is a multi-state independent insurance agency headquartered in Flushing, New York. We help individuals, families, business owners, and commercial transportation clients review insurance options based on their needs, eligibility, risk characteristics, and available markets.
As an independent agency, we are not captive to a single insurance company. We work with multiple carriers and markets to help our clients understand their options — rather than being limited to the products of one insurer.
Our team provides personal guidance throughout the review and application process, helping clients understand coverage options, answer questions, and navigate the steps involved in obtaining insurance.
Coverage Across a Range of Clients and Needs
We work with clients across multiple states and coverage categories. Not all coverage types are available in every state or for every applicant.
Owner-Operators
We help owner-operators review primary liability, motor truck cargo, physical damage, bobtail, and related coverage for their tractor and trailer — subject to eligibility and availability in your state.
Business Owners
We assist business owners with general liability, business owner's policies, commercial auto, workers' compensation, and related coverage — helping review available options based on the nature and location of the business.
Commercial Trucking Operations
We specialize in trucking and commercial auto coverage — including primary liability, motor truck cargo, physical damage, bobtail, and related coverages — for owner-operators, new authorities, and growing fleets.
Growing Fleets
Growing fleets often need coverage that scales with the number of vehicles and drivers — including commercial auto, motor truck cargo, and general liability. We can help identify what options may be relevant.
New Trucking Ventures
We assist new trucking operations with FMCSA authority setup guidance, insurance placement, and the insurance filings associated with obtaining operating authority — helping new carriers understand the process from the insurance side.
Coverage Lines We Work With
We are an independent agency — not a carrier. We help clients review available options from the markets and carriers accessible to our agency.
Trucking & Commercial Auto
Primary auto liability, motor truck cargo, physical damage, bobtail/non-trucking liability, trailer interchange, and commercial auto for business vehicles. Our primary specialty.
Business Insurance
General liability, business owner's policies, workers' compensation, and related commercial coverage for businesses across our licensed states.
DOT & MC Setup
Help with FMCSA registration, BOC-3 filings, and the insurance filings associated with obtaining or maintaining operating authority for new and existing carriers.
How We Work with Clients
- We review your situation before recommending coverage options — we do not lead with a product
- We explain coverage options in plain language so you can make an informed decision
- We do not pressure clients to make coverage decisions before they are ready
- We help you understand what is covered, what is not, and what questions to ask
- We stay involved through the application process and assist with questions after coverage is placed
- We acknowledge the limits of what we can do — we are an insurance agency, not legal counsel, a tax advisor, or a government agency
Commercial Transportation Focus
Trucking and commercial auto coverage is our primary specialty. We understand the coverage types that apply to owner-operators, new authorities, and fleet operations — and we are familiar with the FMCSA authority and insurance filing process from the insurance side.
- We assist with DOT and MC setup guidance, insurance placement, and applicable insurer filings
- We understand the difference between bobtail, non-trucking liability, and primary trucking liability
- We are familiar with how lease agreements affect coverage gaps for owner-operators
- We are an insurance agency — not FMCSA, a government agency, or a transportation attorney
Where We Are Licensed
Whitestone Insurance Services LLC is currently licensed in the following states. Product availability and coverage options vary by state.
New York
Our home state. We serve individuals, families, businesses, and trucking clients across New York, including the New York City metro area.
New Jersey
Licensed to assist clients in New Jersey across personal and commercial lines, subject to NJ-specific coverage rules and carrier availability.
Connecticut
Licensed in Connecticut for personal, commercial, and trucking coverage — subject to state-specific requirements and available markets.
Pennsylvania
Licensed in Pennsylvania. PA-specific rules apply to certain coverage types, particularly personal auto and workers' compensation.
Ohio
Licensed in Ohio for commercial trucking, business, and personal lines — subject to carrier availability and state-specific requirements.
Delaware & South Carolina
Licensed in Delaware and South Carolina. Coverage availability may be more limited in these states — contact us to confirm what options are available for your situation.
Ready to Work with Our Team?
Call us, send an email, or fill out a request form. We provide personal guidance from licensed insurance agents, with no-pressure assistance throughout the process.