California owner-operators are required to maintain an active commercial truck insurance policy in order to legally operate a motor vehicle for hire in the state of California, or nationwide. Our licensed insurance brokers have helped dozens of truck drivers choose the correct coverage for their new trucking companies. With over 14 years of experience, we can confidently guide truckers in choosing the best coverage options based on their operations.
Commercial truck insurance requirements are regulated by the Federal Motor Carrier Safety Administration (FMCSA) and the Department of Motor Vehicles (DMV) of California. Requirements vary based on the vehicle weight, operating radius, cargo type hauled, and contract obligations. Truck owners can also select to have:
Limit requirements range from $750,000–$5,000,000. Vehicles operated under 10,001 lbs require $300,000. This combined single limit provides coverage for bodily injuries and property damage.
This coverage protects the loads trucks transport from warehouse to warehouse. Depending on the type of commodity hauled, truckers will need limits ranging from $50,000 up to $100,000.
A common type of coverage used to provide protection for trailers that are not owned by the trucking company.
Required by many contracting companies. It provides coverage for damage to a trailer that is hooked onto the truck and when it is unhooked between loads. Recommended for truckers driving into ports.
The Federal Motor Carrier Safety Administration (FMCSA) requires a special insurance form, also known as a Federal Filing, to be issued in order to "activate" a Motor Carrier Authority company, referred to as an MC Number. This form is also known as a BMC-91 or "ICC" filing.
The DMV of California also requires a special proof of insurance to be sent to the Motor Carrier Permit department to activate your permit. Insurance must stay active in order to maintain a valid MCP year-round. This special insurance filing is called an MCP65 and must be submitted to the DMV by the insurance company.
We represent truck insurance companies who have A+ ratings, provide the coverage needed by DMV and FMCSA, as well as the necessary insurance filings. Our experienced brokers will guide you in understanding which filings and types of insurance coverage you'll need.
Trucking insurance plans provide coverage for the owner's truck, cargo, and trailers used for hire and contracting purposes.
*Restrictions apply per insured's policy and limitations. Ask our licensed brokers if you qualify for this plan.
We cater to diverse business industries: construction, contractors, hospitality, and retail. From general liability and property insurance to workers’ compensation and cyber liability coverage, we have a range of options to protect your business from unforeseen risks.
Simple steps to protect your business:
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