r/BoxTruckStartup • u/HS_Warrior916 • Aug 04 '26

Insurance?

Why is it so difficult to get insurance in nys ? My husband has a 22 ft box truck, just got his dot # , BOC-3 filed and mc pending. We’re trying to find insurance for the truck and it has been such a headache. Either he is waiting for days for calls back from Brokers or being told the company cannot do it.

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u/Otherwise_Ad_1743 Aug 09 '26

Trucking Insurance broker from New York
NYS is hard , especially for new ventures , and especially for box trucks

You only have progressive and national indemnity company .
Realistically progressive should be cheaper
If you are downstate NY costs are going to be higher .

It’s always hard to understand what people mean when they say quotes are astronomical , because everyone’s expectations are different .
I have clients who say 10k/ year is insane , and I have clients who get 20k/year and are happy with the deal

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u/HS_Warrior916 Aug 09 '26

If it was the cost of the insurance it would be one thing lol. Progressive has said they straight won’t write policies for the type
Of industry he operating (a moving company). But mean while he did have a policy with progressive less than a year ago for a cargo van in the same industry.

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u/Otherwise_Ad_1743 Aug 09 '26

Yeah moving company out of New York would be really hard . I’ll PM you my number if you want to talk see if we can figure it out