- Request a quoteA licensed agent follows up with you
- Coverage we can talk throughCommercial auto, cargo, liability and workers’ comp
- Licensed in CaliforniaInsurance license 6019379
- Talk to a licensed agent(619) 382-3810
Coverage we can talk through
Which lines apply depends on how your business actually runs.
- Commercial AutoProtects the business from liability stemming from vehicles used in the business, and can cover damage to the vehicle.Ask about it
- Inland MarineA specialized type of property insurance, mainly for business property while it is being transported.Ask about it
- Commercial Property & LiabilityProperty coverage for business property that is stolen, damaged or destroyed by a covered peril, plus liability coverage for the business.Ask about it
- Workers' CompensationProvides benefits after an employee’s work-related injury or illness.Ask about it
Sources: California Department of Insurance, Commercial Insurance Guide; Insurance Information Institute; U.S. Small Business Administration. Coverage, price and approval are decided by the insurance company.
FAQ
Trucking insurance, explained plainly
Do I have to file proof of insurance with FMCSA?
If you apply for operating authority (an MC number), your insurance company files the required insurance forms with FMCSA for you. If the filing isn’t made in time, FMCSA can dismiss the application.
How much liability coverage does FMCSA require?
For for-hire carriers of non-hazardous property, FMCSA’s chart lists $750,000 in bodily injury and property damage coverage for vehicles of 10,001 pounds or more, and $300,000 below that. Household goods carriers also need $5,000 in cargo coverage, and hazardous materials carry higher minimums.
What does commercial auto insurance cover?
It protects the business from liability stemming from vehicles used in the business, and can cover damage to the vehicle.
What about the freight I haul?
Inland marine is a specialized type of property insurance, mainly for business property while it is being transported. A licensed agent can talk through how it fits what you haul.
Do I need workers’ comp for my drivers?
If your drivers are your employees, yes. California law requires employers to have workers’ compensation insurance, even if they have only one employee.
Sources: FMCSA, Insurance Filing Requirements · California Department of Industrial Relations, workers' compensation for employers · California Department of Insurance, Commercial Insurance Guide. Coverage, price and approval are decided by the insurance company.
What to have ready
- What the business hauls and where it operates
- How many trucks and drivers you have
- What you have in place now, if anything
What happens next
- Tell us what you need. A few quick questions. It takes about two minutes.
- We review it. Someone licensed reads every request.
- We reach out. We talk it through with you. There is no obligation.
Not sure which coverage you need?
Tell us how the business runs. A licensed agent works through which coverage belongs in the conversation.
Start the conversationImportant information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.