We’re Your Commercial Trucking Specialists in California

Your Car Dealer Bond | Cal-Surety has the knowledge and expertise to properly insure your commercial trucks and trailers. As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.

Finding policies can be confusing and you might not know if you’re getting what you need. We make it simple and never try to sell you “extra” coverage you don’t need.

Your Car Dealer Bond | Cal-Surety can help you achieve the best rates, only the coverage you need, and superior ongoing support.

Commercial Trucking Insurance

What Does Commercial Trucking Insurance Cover?

Commercial trucking insurance is similar to commercial auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use.  A commercial trucking policy is designed to protect your business from significant losses that could affect your company’s financial well being.

Commercial trucking insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

Primary Liability

Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or ensure that the leased operator carries it on their own.  Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

  • Limits up to $5 Million
  • Uninsured Coverage
  • Underinsured Coverage
  • Property Damage
  • Medical Payments Coverage
  • Additional Insureds Available

Physical Damage

Provides coverage for repair or replacement due to damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

  • Stated Value on commercial vehicles
  • Actual Cost and Replacement Cost Values on PPV’s
  • Low Rates on Total Insured Values
  • Deductible options from $0 to $5,000
  • Non-owned Trailers
  • Trailer Interchange Coverage
  • Roadside Assistance Options

Cargo Insurance

Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

  • Many cargo categories available
  • Limits up to $250,000
  • Deductibles from $0 to $5,000
  • Reefer Breakdown

Truckers General Liability

Simply put, CGL guards you, your business, and your employees from claims involving bodily injury or property damage born out of your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts.

  • “General Liability”
  • Limits up to $10 Million
  • Low Premium Cost
  • Additional Insureds Available

Occupational Accident

Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent.

Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.

Factors that determine Commercial Truck Insurance:

  • Your driving history
  • Vehicle type
  • Cargo contents and value of the cargo
  • Business experience
  • Size of the trucking business
  • USDOT authority
  • Coverage limits & deductible
  • Operating radius

Average Commercial Truck Insurance rate examples by state:

Alabama

The average cost of commercial truck insurance in Alabama is estimated at $15,600 per year.
1 truck based out of Birmingham, AL
Experience: New venture
Operating radius: Interstate, less than 500 miles
Cargo: Freight, general
Premium: $15,160/year

Arizona

The average cost of commercial truck insurance in Arizona is estimated at $12,420 per year.
1 truck based out of Avondale, AZ
Experience: Over 3 years
Operating radius: Interstate, less than 500 miles
Cargo: General, paper products, produce, refrigerated food, meat,
Premium: $13,380/year

California

The average cost of commercial truck insurance in California is estimated at $14,200 per year.
1 truck based out of Bakersfield, CA
Experience: Under 2 years
Operating radius: Interstate, unlimited miles
Cargo: General Freight
Premium: $15,600/year

Georgia

The average cost of commercial truck insurance in Georgia is estimated at $15,900 per year.
1 truck based out of Columbus, GA
Experience: New venture
Operating radius: Interstate, unlimited miles
Cargo: General Freight, dry bulk
Premium: $16,920/year

Michigan

The average cost of commercial truck insurance in Michigan is estimated at $18,360 per year.
1 truck based out of Fort Gratiot, MI
Experience: New venture
Operating radius: Interstate, less than 500 miles
Cargo: General Freight, building materials, produce, feed, hay, coal
Premium: $20,300/year

North Carolina

The average cost of commercial truck insurance in North Carolina is estimated at $11,050 per year.
1 truck based out of Charlotte, NC
Experience: Less than 2 years
Operating radius: Interstate, unlimited miles
Cargo: General Freight
Premium: $10,390/year

South Dakota

The average cost of commercial truck insurance in South Dakota is estimated at $13,790 per year.
1 truck based out of Sioux Falls, SD
Experience: New venture
Operating radius: Interstate, unlimited miles
Cargo: General Freight
Premium: $9,770/year

Texas

The average cost of commercial truck insurance in Texas is estimated at $13,610 per year.
1 truck based out of Haslet, TX
Experience: Over 3 years
Operating radius: Interstate, unlimited miles
Cargo: General Freight, metal, motor vehicles, building materials, machinery, logs, oilfield equipment
Premium: $12,260/year

Utah

The average cost of commercial truck insurance in Utah is estimated at $14,460 per year.
1 truck based out of West Jordan, UT
Experience: Over 3 years
Operating radius: Interstate, below 500 miles
Cargo: General Freight, meat, produce, refrigerated food, beverages, paper products
Premium: $19,120/year

Oregon

Contact us for pricing in the state of Oregon.

Your Car Dealer Bond | Cal-Surety & Insurance Services – Striving to be the Leading Commercial Truck Insurance provider

Most folks would agree that purchasing insurance is complex, stressful, and expensive. We will do everything possible to reduce the anxiety from this process and give you peace of mind knowing that your livelihood is protected. No matter the type of commercial truck you drive, the number of trucks in your fleet, or even the number of staff you employ, we know you depend on your truck and the aspects that power your business. Our team of trucking insurance experts wants to help you shield it.

Centrally located in California, Your Car Dealer Bond | Cal-Surety currently protects many truckers within our state. We’re now broadening our geographic portfolio to include Arizona, Texas, Georgia, and more. So, whether you operate intrastate or interstate, we’ll customize an insurance policy specifically designed to meet your commercial trucking needs. Contact us today to speak with one of our insurance experts who will be happy to provide you with a quote:

Below is a general list of trucks we offer coverage for:

  • Pickup trucks
  • Flatbed trucks
  • Box trucks
  • Semi-trucks
  • Tank trucks
  • Tractors
  • Auto hauler trailers
  • Flatbed trailers
  • Front loaders
  • And much more!

Start a Trucking Insurance Quote