Trucking Insurance
Auto liability with the filings, cargo with high limits, physical damage at a rate that makes sense, and everything the broker asks for after that. Ninety-nine percent of the clients we insure are trucking companies, and someone always answers the phone.
Coverages
$750K to $5M primary liability with the BMC-91/91X and MCS-90 filings the FMCSA wants before your authority goes active, plus state filings where they apply. Some operations and contracts need the full $5M; new ventures included.
$100K standard, $250K and up when your broker contracts demand it. Reefer breakdown and spoilage, target commodities, unattended-vehicle terms explained before you sign.
Insure the truck and trailer at the value that makes sense. Rates typically run about 3% to 8% of the insured value depending on your loss history, deductible and equipment.
Truckers GL for the yard, the dock and the contracts that require it, usually a few hundred dollars a year packaged with the auto.
For owner-operators leased to a motor carrier — coverage when you're off dispatch.
Port and rail drayage, intermodal containers and the UIIA-compliant certificates the chassis pools require.
For the driver on your payroll. Required in California the day you hire one.
Uber Black, black car, limo and TCP operations with the CPUC filings done same day.
By Operation
Tractor-trailers under your own authority — dry van, reefer and flatbed, new venture or ten years in, with the filings in the same day.
Details →Five trucks or fifty: scheduled liability, cargo, physical damage and excess, placed with the fleet markets that pay for clean loss runs and telematics.
Details →First-year authority? We write more new ventures than anything else — with the filings, cargo and physical damage a broker needs to see on day one.
Details →One truck, your name on the door. Liability, cargo and physical damage priced for a single unit, plus NTL when you lease on.
Details →Cargo with reefer breakdown and spoilage, produce and frozen loads, interstate lanes out of California.
Details →Dually pickups and gooseneck trailers hauling for-hire under your own authority.
Details →Straight trucks, sprinters and cargo vans doing local delivery, expedited and last-mile work.
Details →Sand and gravel, super dumps, transfers and end dumps working California job sites.
Details →On-hook, garagekeepers and liability for wreckers, flatbeds and rotators.
Details →Cargo written for vehicles in transit — 1-car wedges to 9-car stingers.
Details →Commercial livery insurance with the CPUC filings you need for a TCP permit and the Uber Black platform.
Details →DOT/MC, every unit, every license, radius, commodities, loss runs. Five minutes in our quote form, and MVRs are pulled the same day.
Admitted and non-admitted programs that write your class in your state, including the ones that take new ventures and Canada.
Filings submitted at binding, certificate portal login the same day, and a plain-English explanation of what you bought and what will bring the price down at renewal.
What Truckers Say
Real reviews from real DOT numbers — read them all on Google.
“Excellent customer service. Always available. This is an agency you can count on.”
“I'm a new owner op. He has helped me tons with shopping around finding something to fit the budget. Answers all my questions and very honest. He put up with me calling non stop when I first started. That is someone with patience and not after a quick dollar. Tbh if it wasn't for him I don't know if I would have even made it out on the road.”
“Informative and always available.”
Primary auto liability with a BMC-91 or BMC-91X filing (and MCS-90 endorsement) on file with the FMCSA, a BOC-3 process agent, and UCR registration. Cargo is not federally required for general freight but nearly every broker and shipper demands $100,000. We bind and file the same day for new ventures.
Mostly one to ten trucks. Owner-operators and new ventures are the core of our book; we also write fleets up to 50 units.
We work with more than 80 insurance companies and programs, admitted and non-admitted, including the ones that take new ventures. We don't publish the list — the point is that your submission is shopped to all of them that fit, and you see the best two or three.
Often, and when we can't we'll tell you why and what to change (deductible, radius, values, driver) to get there. Send your current COI and loss runs with your quote request and we'll compare line by line — no dec page needed.
Yes. BMC-91/91X and MCS-90 for interstate authority, plus California and other state filings, are submitted when we bind — usually the same day. Primary limits from $750,000 to $5,000,000, depending on what your operation and contracts require.
Physical damage premium is a percentage of the value you insure the truck and trailer for. Across our markets that rate typically runs about 3% to 8%; clean loss history and a higher deductible push it toward the low end.
Yes. We write commercial livery insurance for Uber Black, black car and limousine operators in Los Angeles, including the CPUC filings needed for a TCP permit. See our Uber Black & TCP page.
