Solutions Specialty Insurance Brokers
Customized commercial auto insurance programs for long-haul truckers, owner-operators, fleets and transportation businesses based on their vehicles, cargo and operating risks.
Whether you haul your own goods or freight for someone else, a standard business auto policy won’t cover most of what a trucking operation needs. We put together commercial trucking insurance programs based on your equipment, the cargo you haul, how far you travel and which filings your permits require. That applies whether you run one box truck or a fleet of tractor-trailers, and we place your truck insurance with carriers that write your type of operation.
The right trucking coverage depends on how you operate. An owner-operator with their own authority, an owner-operator leased to a motor carrier and a fleet with hired drivers each need a different mix of policies and filings.
Owner operator trucking insurance depends on whether you run under your own authority or are leased to a motor carrier.
We also place owner operator insurance for new ventures and drivers with no prior insurance, and no down payment programs are available to some qualified clients.
Fleet insurance has to cover every power unit and trailer, every driver you hire, and the minimum limits in your customer contracts. We set up commercial vehicle insurance for small and large fleets, including:
Each fleet quote starts with a trucking risk assessment. We look at your FMCSA safety data (CSA scores, inspections and crash history), violations, driving records, loss history and radius of operation, then submit your account to the carriers most likely to quote it competitively.
Get a quote for your truck or fleet. Get a Free Trucking Insurance Quote or call 323-771-0777.
Most trucking business insurance programs start with liability and physical damage. Cargo, trailer and other coverage is added based on what you haul and what your contracts require.
Optional endorsements include rental reimbursement, towing and debris removal, auto loan/lease gap coverage, 24-hour roadside assistance, contractor’s equipment, and additional insured and waiver of subrogation endorsements.
Auto liability and physical damage policies do not cover the freight you haul. Cargo and trailers need their own coverage:
Cargo policies differ in excluded commodities, limits and unattended-vehicle conditions. We compare those terms to what you actually haul before you buy.
Need cargo limits for a broker or shipper? Request a Commercial Truck Insurance Quote or call 323-771-0777.
Specialty trucking insurance is coverage for operations whose cargo, equipment or type of work falls outside standard freight hauling. From our offices in Maywood (Los Angeles County) and Corona (Riverside County), we insure Southern California operations such as port drayage, construction hauling and local delivery. Eligible classes of business include:
Passenger carriers face higher liability requirements than most freight haulers. For interstate for-hire passenger carriers, federal minimums are $1.5 million for vehicles seating 15 or fewer (including the driver) and $5 million for vehicles seating 16 or more. Our transportation insurance programs cover businesses that carry passengers for hire or as a courtesy, including:
Carriers will also look closely at driver qualification, and businesses whose drivers use their own vehicles may need hired and non-owned auto coverage.
Need coverage for freight or passengers? Get a Free Trucking Insurance Quote or call 323-771-0777.
Trucking compliance depends on your insurance filings. State and federal agencies need proof that your coverage is in force, and if a policy cancels, the insurer notifies the agency and your permit or authority can be suspended. We have helped many truckers stay compliant and handle commercial trucking filings including:
We can also help with the permits themselves. See our trucking permits page.
Need a filing done quickly? Call 323-771-0777 or start your quote online.
Commercial auto insurance carriers have become more selective, and many will only write certain types of trucking accounts. As an independent trucking insurance broker, we are not tied to one company. We work with several A-rated insurance carriers (rated “A” by AM Best) and place each account with a carrier that writes that type of operation. We also have carriers and programs for accounts with higher losses or poor driving records.
A trucking insurance broker who writes this business regularly knows which carriers accept your class of business, which filings your authority depends on and what to check in a contract’s insurance requirements. That is where a transportation insurance broker is more useful than a general agent.
A customized trucking insurance quote needs accurate information. A complete submission lets us quote your account faster and with more carriers. Have these ready:
Get a Free Trucking Insurance Quote
If you’re not sure what coverage you need, start with these questions. You can answer them on the quote form or over the phone:
We use your answers to recommend coverage and find carriers that will quote your operation. Fill out the quote form on this page, contact us or call 323-771-0777.
Commercial trucking insurance is a group of policies for businesses that use trucks to earn income. Basic coverage usually includes primary auto liability for injuries and damage you cause to others, physical damage for your own trucks and trailers, and motor truck cargo for freight you haul. Many operations also need trailer coverage, umbrella limits and insurance filings.
Owner-operators under their own authority need primary auto liability, physical damage, motor truck cargo and the required filings. Owner-operators leased to a carrier usually need non-trucking liability and physical damage, since the carrier’s policy covers them under dispatch. Fleets need the same core coverage plus hired and non-owned auto, trailer interchange and higher umbrella limits.
We place coverage for dump trucks, box trucks, tractor-trailers, flatbeds, reefers, tow trucks, auto haulers, container haulers and delivery vehicles. Eligible businesses include long-haul and local truckers, sand and gravel haulers, food trucks and caterers, contractors, scrap metal operations, wholesalers, distributors and passenger transportation companies such as limousine, charter bus and non-emergency medical transportation (NEMT) operators.
Motor truck cargo insurance covers loss of or damage to goods you haul for others while they are in your care, custody and control, from causes such as collision, fire and theft. Cargo is not automatically covered: auto liability and physical damage policies exclude it. Cargo policies also differ on excluded commodities and reefer breakdown.
Non-trucking liability covers a leased owner-operator’s truck when it is used for personal, non-business purposes, with or without a trailer. Bobtail insurance is often treated as the same thing, but many policies limit it to driving without a trailer. Neither replaces the carrier’s primary liability while you are under dispatch. Check your policy wording.
Yes. We handle the insurance filings that keep your authority active, including the MC 65 M filing for your California Motor Carrier Permit (MCP), the BMC-91X filing with the FMCSA for interstate authority, Form E filings in states that require them, USDOT filings and UIIA endorsements for container haulers. We also help with trucking permits.
There is no flat rate. Price depends on your radius of operation, type and value of equipment, cargo hauled, years in business, driver experience and driving records, FMCSA safety scores, safety violations, and how often and how severely you have had losses. Fleet size and the limits you choose also affect your premium.
Often, yes. Some commercial auto insurance carriers decline accounts with higher losses, poor driving records or no prior insurance, but we work with carriers and programs for non-standard risks. New ventures and accounts with large losses may be considered. A complete submission with loss runs and an explanation of safety changes you have made helps.
Los Angeles County, Maywood office: 4445 Slauson Ave, Maywood, CA 90270. Riverside County, Corona (by appointment only): 4160 Temescal Canyon Rd Ste #401, Corona, CA 92883.
Get a Free Trucking Insurance QuoteCall (323) 771-0777
Maywood: 4445 Slauson Ave, Maywood, CA 90270 | Corona (by appointment): 4160 Temescal Canyon Rd Ste 401, Corona, CA 92883
Mon–Fri 9:30am–5:30pm | Sat 10:00am–3:00pm | Sun closed