Skip to main content

National Reach, Hometown Service

CDL Associates Insurance Agency LLC has the resources to serve you and the heart to do so personally.

Read Our ReviewsContact Us

  Get Your Insurance Quote

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Trucking Insurance
Transportation Insurance
Business Insurance
Personal Insurance
Employee Benefits

CDL Associates Insurance Agency LLC

Learn more about our agency.

At CDL Associates Insurance Agency LLC, we want to be your one-stop-shop for insurance and the only agency you’ll need. Though we specialize in insurance for the transportation industry, we also offer a variety of insurance coverages to help you meet your business, personal, and employee benefits needs. We’ll help you find coverage from some of the nation’s top-rated insurance carriers as an independent agency.

Our experienced and knowledgeable team is here to help. We focus on personalized service because we understand that your situation will be different from others. Everyone is unique, so your insurance should be as well. That’s probably why we come so highly rated, with over 50 five-star reviews from our satisfied clients. We’ll work with you to help you understand your goals and find coverage to help you meet them.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How
Read Our Reviews
Get a Quote
Contact Us

The Solution to Your Insurance Needs

Providing a variety of business insurance, personal insurance, and employee benefits solutions is what CDL Associates Insurance Agency LLC does best.

Get a Quote

Serving the US

From our three offices in New York, we are proud to serve clients in over 40 states across the country.

Northville, NY
Johnstown, NY
Lake Luzerne, NY

Our Clients Rave About Us

Check out our reviews and see why you should switch to CDL Associates Insurance Agency LLC.

Read More ReviewsRead Google Reviews

What Makes CDL Associates Insurance Agency LLC Special

Here’s what sets us apart when it comes to serving your insurance needs.

Highly Rated

We have over 50 five-star reviews because our clients love working with us on their insurance.

Far Reaching

We are licensed to help clients with their insurance throughout the US in over 40 states.

Personal Service

Our experienced team is here to work with you to help you find unique protection for your needs.


CDL Associates Insurance Agency LLC + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

Partner - PIA

Partner - Trucking Association of NY

Professional Associations

We are an agency focused on helping you, affiliating with professional organizations to better expand our resources and our ability to serve you.

Learn More
Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Commercial Trucking Insurance
Risk Factor

The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.


Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they’ll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.

Garagekeepers and On-Hook
Risk Factor

Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it’s not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.


On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company’s location.

Bobtail Insurance
Risk Factor

Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else’s trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.


Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else’s trucking authority and there is no trailer attached.

Non-trucking liability
Risk Factor

Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?


Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.

Trailer Interchange
Risk Factor

There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.


If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.

Rental Reimbursement With Downtime
Risk Factor

A truck that’s been damaged in an accident will need to be taken off the road for repairs. When the truck can’t be used, the business will lose money.


Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.

Motor Truck General Liability
Risk Factor

Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.


Motor truck general liability insurance may provide coverage for bodily injury and property damage, personal or advertising injury, and other damages caused by the company’s own negligence.

Motor Truck Cargo Insurance
Risk Factor

For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.


Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.

Physical Damage
Risk Factor

If a truck is damaged in an accident and another driver is not held liable for these damages, the truck’s owner would be responsible for the repairs. The truck’s owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.


Physical damage insurance covers the cost of repairs to your own vehicle if it’s damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.

Trucking Insurance 101

Make sure you cover the unique risks you face with trucking insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for transportation insurance, home insurance, and employee benefits.

CDL Associates Insurance Agency LLC - Logo 500

Manage Your Account Now

How can CDL Associates Insurance Agency LLC help?

Pay Bill
Review Our Agency
Refer a Friend

  Contact CDL Associates Insurance Agency LLC

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Northville, NY

Johnstown, NY

Lake Luzerne, NY

We are licensed to serve clients in over 40 states.

Contact Us