Trucking Insurance
Comprehensive Coverage for the Road Ahead
The trucking industry keeps businesses moving, but with it comes unique risks—accidents, cargo damage, and liability claims can put your livelihood at risk. Whether you’re an independent owner-operator or manage an entire fleet, our trucking insurance solutions provide customized protection to keep your business rolling. We specialize in affordable, compliant coverage for trucking companies across Fremont, CA, and beyond.
Our Services
Primary Liability Insurance
Covers damage or injuries caused to others in an accident
Physical Damage Coverage
Protects your truck from collisions, theft, fire, and vandalism.
Motor Truck Cargo Insurance
Ensures your freight is covered in case of loss or damage.
Bobtail Insurance
Provides liability protection when you’re driving without a trailer.
Non-Trucking Liability Insurance
Covers personal use of your commercial truck.
Fleet Insurance
Tailored policies for businesses operating multiple trucks.
Trailer Interchange Coverage
Covers damage to trailers that don’t belong to you.
Don't See What You Need?
Every trucking operation is unique. Whether you haul general freight, hazardous materials, or refrigerated goods, we offer customized trucking insurance solutions to fit your needs. Contact us to build a policy tailored to your operation.
The Ultimate Guide to Trucking Insurance
1. Why Trucking Insurance is Essential
The trucking industry is heavily regulated, and proper insurance is a legal requirement for commercial drivers. Beyond compliance, trucking insurance protects your assets, cargo, and financial stability, ensuring your business stays on the road—even after an accident or claim.
2. What Are FMCSA Insurance Requirements?
The Federal Motor Carrier Safety Administration (FMCSA) sets minimum insurance requirements for trucking businesses. These include:
- $750,000 – $5,000,000 in liability coverage for freight carriers (depending on cargo type).
- $300,000 in liability for non-hazardous freight in trucks under 10,000 pounds.
- $5,000 per vehicle / $10,000 per incident for freight carrier cargo coverage.
3. What Affects Your Trucking Insurance Cost?
Trucking insurance rates depend on several key factors:
- Driving Record – Safer drivers = lower premiums.
- Truck Type & Value – Newer, high-value trucks require higher coverage limits.
- Cargo Type – Transporting hazardous materials increases liability exposure.
- Route Distance – Long-haul trucking often carries higher risks than local routes.
4. How to Lower Your Trucking Insurance Premiums
Trucking insurance can be expensive, but you can save money with smart planning:
- Invest in Fleet Safety Programs – Many insurers offer discounts for GPS tracking, driver monitoring, and defensive driving training.
- Bundle Policies – Combine liability, physical damage, and cargo insurance for better rates.
- Increase Your Deductible – Opting for a higher deductible lowers monthly premiums.
- Regular Policy Reviews – As your business grows, reassess your coverage to prevent overpaying.
5. Do You Need Specialized Trucking Insurance?
If you operate in hazmat transport, reefer trucking, or oversized loads, you’ll need specialized endorsements. Our team helps you secure FMCSA-compliant, industry-specific coverage tailored to your needs.