Trucking insurance.Done right.
Golden Era specializes in commercial trucking insurance for California fleet owners. From auto liability to cargo to physical damage — we shop 300+ carriers to find the coverage your fleet needs at a price that makes sense.
300+
carriers shopped
6
states licensed
1–100+
truck fleets
Or call us: (510) 270-8141
Sound familiar?
If any of these sound like your experience, you're not alone — and you don't have to settle for it.
You call your agent and get voicemail. For days.
When your truck is on the side of the highway, you need someone who picks up — not a phone tree and a promise to call back.
Your rates went up and nobody explained why.
Renewal comes around, the premium jumps, and your agent just says 'the market's hard.' No shopping. No alternatives. No answers.
Your agent doesn't know a reefer from a dry van.
General agencies treat trucking like just another line of business. You need someone who understands FMCSA, cargo specifics, and what your fleet actually does.
You got dropped and your agent had no backup plan.
Carrier pulls out, and suddenly you're scrambling for coverage with days to spare. A real trucking agent has relationships across 300+ carriers for exactly this moment.
What your fleet actually needs.
Every fleet is different. Here's what the right coverage looks like — and why each piece matters.
Auto Liability
What it covers: Bodily injury and property damage to third parties when your trucks are at fault.
Your driver causes an accident on I-5. The other party has $200K in medical bills and a totaled car. Your auto liability covers it — without it, you're paying out of pocket and risking your operating authority.
FMCSA Minimums
$750K general freight · $1M hazmat · MCS-90 required for interstate
Physical Damage
What it covers: Comprehensive and collision coverage for your trucks and trailers.
Agreed Value vs. Actual Cash Value — the difference can cost you $30K when you need it most. Newer trucks need agreed value. We make sure you have the right one.
Learn more →
Motor Truck Cargo
What it covers: Covers the freight you're hauling — from pickup to delivery.
Reefer breakdown coverage isn't standard. If you haul temperature-sensitive cargo, you need to ask for it specifically. We always ask.
Learn more →
General Liability
What it covers: Premises and operations liability — protects your business beyond the road.
Most brokers and shippers won't book your trucks without it. GL isn't optional — it's table stakes for getting loads.
Learn more →Fleets like yours.
Whether you're running two trucks or two hundred, hauling reefer or flatbed — we've insured fleets like yours.
By Fleet Type
Reefer Fleets
Temperature-controlled cargo means temperature-sensitive coverage. We know reefer breakdown endorsements, spoilage limits, and the carriers that specialize in cold chain.
Learn more →
Dry Van Fleets
The backbone of freight. Whether you're running regional routes or cross-country, we match your fleet with carriers who understand general freight operations.
Learn more →
Flatbed Fleets
Open deck means open exposure. We cover the unique risks — load securement liability, specialized cargo, and the higher premiums that come with flatbed hauling.
Learn more →
Tanker Fleets
Liquid and bulk hauling comes with hazmat considerations, higher liability requirements, and fewer carriers willing to write it. We know which ones will.
Learn more →By Situation
Just Got Your Authority?
New MC number, zero policies, and a lot of questions. We've helped hundreds of fleet owners get their first coverage in place — fast, compliant, and at the right price.
See how we help →Growing Your Fleet?
Adding trucks should be exciting, not stressful. We build coverage that scales with you — adding vehicles, adjusting limits, and re-shopping carriers as your fleet changes.
See how we help →Switching Agents?
If you're here, something isn't working. We make the switch painless — we review your current policies, find the gaps, and have better options ready before your renewal.
See how we help →Dropped by Your Carrier?
Carrier pulled out and you need coverage yesterday. We have relationships across 300+ carriers — including markets that specialize in hard-to-place fleets.
See how we help →Licensed in 6 states.
We write commercial trucking coverage in California, Arizona, Washington, Texas, Oklahoma, and Oregon — with more states on the way.
More states coming soon.
Why fleet owners choose Golden Era.
It's not just what we cover. It's how we do it.
We answer the phone. Every time.
When your truck is on the shoulder of I-5 at 2am, you don't need a voicemail tree. You need someone who picks up. We do.
Twenty years in trucking — not just insurance.
Daven didn't learn trucking from a textbook. He spent two decades in the industry before building Golden Era. He understands your business because he's lived it.
300+ carriers shopped. Every quote. Every renewal.
We don't have a favorite carrier. We shop the full market every time — and we re-shop at every renewal to make sure you're still getting the best deal. Most agents don't.
Every policy personally reviewed.
No auto-generated quotes. No algorithm deciding your coverage. Daven reviews every policy before it goes out. If something doesn't look right, we fix it before you see it.
Compliance isn't extra. It's included.
FMCSA filings, MCS-90 endorsements, certificates of insurance, DOT requirements — we handle the paperwork that keeps your authority active. It's part of the service.
Don't take our word for it.
Hear from fleet owners who made the switch.
On Claims Response
My driver got rear-ended on the 99 outside Fresno at 11pm. I called Golden Era expecting voicemail — Daven picked up on the second ring. Had an adjuster assigned before I got off the phone. My old agency? I'd still be waiting for a callback.
Harjit P.
9-truck reefer fleet, Bakersfield
On Renewal Savings
My first year with Golden Era, they saved my fleet $47,000 by moving us to the right carriers. But what surprised me was the second year — they shopped it again without me asking. Same coverage, even better price. No agent has ever done that.
Carlos M.
14-truck flatbed fleet, Stockton
On Getting Started
I was three weeks from getting my authority and had no idea what coverage I actually needed. Golden Era walked me through every requirement, handled the FMCSA filing, and had my policy in place before my MC number was even active. I would've been lost without them.
Gurpreet S.
5-truck dry van fleet, Sacramento
Frequently asked questions.
Everything fleet owners ask before they call.
Let's talk about your fleet.
No pressure. No obligation. Just a straight conversation about what your fleet needs and what it should cost.
(510) 270-8141