(951) 695-1500 Mon–Fri 9am–7pm · Sat 10am–5pm 5 Locations · Inland Empire, CA
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Commercial Auto

Commercial Trucking
Insurance

Box trucks, dump trucks, hotshots, semis — local or long-haul. Primary liability, cargo and physical damage in one policy, with the DMV and FMCSA filings done so the truck earns instead of waits.

Get A Commercial Quote (951) 695-1500
Liability to $1,000,000+Cargo & physical damageMCP + FMCSA filingsNew ventures welcome
What The Policy Covers

The Coverages
Every Shipper Checks

Four the law requires, two the load requires, one the bank requires.

Primary Auto Liability

Injury and damage you cause on the road. $750,000 minimum for the Motor Carrier Permit; shippers, brokers and interstate authority commonly require $1,000,000.

Motor Truck Cargo

The freight itself — theft, collision, fire, water, refrigeration breakdown. $100,000 is typical; brokers set the number.

Physical Damage

Collision and comprehensive on the truck and trailer. Required by every lender, priced on the stated value.

Trailer Interchange & Non-Owned Trailer

Damage to a trailer you pull but do not own. Standard on any drop-and-hook contract.

General Liability

Loading dock injuries, property damage off the truck, contract requirements from the yards you deliver to.

Workers' Compensation & Occupational Accident

Employees need workers' comp; owner-operators under lease usually need occupational accident. We write both.

California Requirements

The Filings Between
You And The First Load

CA number + Motor Carrier PermitAny truck over 10,001 lbs GVWR hauling for hire in California needs a CA number from the CHP and a Motor Carrier Permit from the DMV, with the MC-65 M insurance certificate on file. We file it the day we bind.
USDOT + MC authority (interstate)Crossing state lines needs a USDOT number, operating authority and the MCS-90 / BMC-91 filing with the FMCSA. Interstate authority also triggers the $750,000 federal minimum.
Broker and shipper certificatesEvery load board, broker and shipper has a certificate page: limits, cargo amount, additional insured, sometimes a 30-day notice of cancellation. Send it; we match it.
Driver and truck filesMVRs, CDL where required, and the BIT/CHP inspection program for the truck. We pull the records before quoting so binding is not the first time you hear about a violation.
Get A Commercial Quote

Tell Us About
Your Operation

A licensed commercial agent calls you back the same business day. The fastest quotes come with your USDOT or CA number, the truck VINs and a driver list.

Hablamos Español. Every branch has a bilingual agent.

No obligation. We never sell your information. A licensed agent will contact you within one business day.

Got it — we'll call you.

A commercial agent will reach out within one business day. Need it faster? Call (951) 695-1500.

Rather Talk To Someone?

Walk into any of our 5 branches or call — Monday to Friday 9am–7pm, Saturday 10am–5pm.

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