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Insurance for Transportation

Coverage built around drivers, filings, and cargo, for fleets running New York weather and interstate miles.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Why Fleets Choose Us

Insurance that keeps up with the fleet

Fleet coverage has to keep pace with drivers, lanes, and equipment that change through the year.

Ready for the load

Filings, certificates, and cargo limits matched to what brokers and shippers require.

Built around your operation

Coverage based on your radius, your drivers, your equipment, and what you haul.

Local help when a truck is down

Driver changes, unit additions, and certificate requests handled by a team you can reach.

Who We Work With

Built for fleets of all kinds

That same practical approach works across a wide range of operations, from owner operators to fleets running multiple lanes and specialized equipment.
  • Freight & Long Haul
  • Long Haul Freight
  • Regional Delivery
  • Refrigerated Transport
  • Long Haul Freight
  • Regional Delivery
  • Refrigerated Transport
  • Specialized Hauling
  • Dump & Aggregate
  • Heavy & Specialized Haul
  • Tow & Recovery
  • Dump & Aggregate
  • Heavy & Specialized Haul
  • Tow & Recovery
  • Local & Passenger
  • Last Mile & Courier
  • Passenger & Shuttle
  • Last Mile & Courier
  • Passenger & Shuttle
Do not see your operation? We insure many other transportation businesses throughout Central and Upstate New York.

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The Transportation Program

Coverage fleets carry

Four coverages do the heavy lifting on nearly every fleet program. The rest get added as the operation grows into them.

Core Coverage

Commercial auto liability

The line every filing, shipper, and broker checks first.

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Motor truck cargo

What is on the trailer, at the limits your shippers require.

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Workers' compensation

Drivers, mechanics, and dock staff.

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Physical damage

Tractors and trailers, on the road and in the yard.

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Additional Coverage

Commercial umbrella

The excess limits shippers and brokers write into contracts.

General liability

Terminals, yards, and everything that happens off the truck.

Cyber liability

Dispatch systems, electronic logs, and customer information.

Environmental & pollution

Fuel, spills, and what a rollover releases.

Know Before You Sign

Make sure your coverage matches the contract

Brokers, shippers, and federal authority all set requirements, and any of them can hold a load if the coverage behind it does not match.
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Financial responsibility filings

Interstate authority requires filings at set limits, and the filing has to follow the policy every time coverage changes

Cargo limits and additional insured status

Shippers and brokers set cargo limits and certificate wording, and those requirements vary from one contract to the next

Driver qualification and scheduling

Who is on the policy, and how quickly new drivers get added, determines whether a load is covered the day it moves

Need a certificate for a load or a broker? Call 315-598-6000 with the shipper details and required wording.

Understanding Your Premium

What actually moves your insurance cost

Fleet premiums are built from where you run and who drives. The more accurately those details are represented, the easier it is to make sure you are paying for the right risk.
  • Your Lanes

Radius of operation

Local, intermediate, and long haul are three different rating worlds.

  • Your Drivers

Records and experience

MVRs, CDL tenure, and turnover carry more weight than fleet size does.

  • Your History

Claims and safety scores

Loss history and federal scoring follow the authority, not the policy.

  • Your Freight

Commodity hauled

What is on the trailer changes both the liability and the cargo rate.

  • Your Fleet

Equipment age and values

Newer equipment costs more to repair and less to keep running.

  • Your Filings

Authority and limits

The limits your filings and contracts require set the floor for the program.

Before You Shop Carriers

A better premium often starts with better information.

We review driver lists, radius, commodity descriptions, unit schedules, and filing requirements before assuming the answer is simply another carrier.

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Good To Know

Transportation insurance FAQs

Quick answers to common questions from New York fleets and carriers.
At minimum: commercial auto liability at the limits your authority and contracts require, motor truck cargo, physical damage on owned equipment, and workers’ compensation and DBL. Most fleets add general liability and the umbrella limits broker agreements ask for.
No. Auto liability and physical damage cover the truck. Cargo on the trailer needs motor truck cargo coverage written to the limit your shippers require.
More than almost anything else. Carriers rate on MVRs, CDL experience, and turnover, and a driver list that has not been reviewed since the last renewal is a common source of surprise at quoting.
They should carry it, and you should hold a current certificate for every one. How they are contracted determines what falls back on your policy at audit.

Local To Your Community

Six offices across Central and Upstate New York

Local advisors understand the terminals, the lanes, and the conditions your drivers run in. Find guidance in your area:
Oswego County
Northern Oswego & Tug Hill
Oneida County
Syracuse & Onondaga County
Wayne County
Finger Lakes Region
Rochester & Monroe County
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY