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 with choosing the best coverage options based on their operations.
d to being available to assist you throughout the entire year, not just during the traditional tax season. This means that whether you need urgent questions answered in the middle of your summer vacation or require guidance as you plan for the upcoming tax year, our team is ready to provide the support you need. By offering our services year-round, we help you stay ahead of any potential tax issues and capitalize on opportunities for tax savings. Our proactive approach ensures that you are always prepared, minimizing the risk of surprises and helping you to optimize your financial outcomes.
Commercial truck insurance requirements are regulated by 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:
Auto Liability
Limits 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.
Motor Truck Cargo
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.
Non-Owned Trailer Coverage
This is a common type of coverage used to provide protection for trailers that are not owned by the trucking company.
Trailer Interchange
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.
* Restrictions apply per insured’s policy and limitations. Ask our licensed brokers if you qualify for this plan.
We take pride in helping our clients feel informed, protected, and supported through every step of the process. See what our clients say about their experiences at Goldamity Insurance Services.
