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Call us today to get complete California trucking for hire coverage as fast as possible 855-826-0321. Reliable and affordable all inclusive policies. Call us for you best rates for your for commercial truck insurance. Count on us for delivering unparalleled customer service to meet your load hauling needs.
MOST REQUESTED COVERAGE’S
Auto Liability
Motor Truck Cargo Coverage
Commercial General Liability
Medical Payments
Uninsured Motorist
Underinsured Motorist
Personal Injury Protection (PIP)
Owned Auto
Non-Owned Auto
Hired Auto
Collision Coverage
Comprehensive Coverage
Trailer Interchange
Commercial truck insurance is an essential form of protection for businesses in California that own, operate, or lease vehicles used to transport property or passengers for hire. Depending on the size and function of the truck, the type and amount of coverage needed will vary accordingly.
This document will provide an overview of California commercial truck insurance policies, associated requirements, and additional details to consider when purchasing this coverage. Businesses that own or lease vehicles used for commercial purposes should become familiar with all aspects of commercial truck insurance to ensure they are adequately protected and in compliance with the necessary legal requirements.
What is Commercial Truck Insurance?
Commercial truck insurance is a special type of automobile insurance intended for vehicles used for business activities. It covers the cost of an accident or property damage caused by the insured’s vehicle. In addition, it can provide coverage for injuries to drivers and passengers involved in an accident, as well as legal costs in the event of a claim.
Commercial truck insurance can be purchased as either a basic package or an additional coverage option for complete protection. Generally speaking, most commercial truck policies cover bodily injury and property damage liability, collision coverage, comprehensive coverage, personal injury protection (PIP), uninsured/underinsured motorist’s coverage (UM/UIM), medical payments, and other optional benefits depending on the policyholder’s needs.
California Requirements for Commercial Truck Insurance
Commercial truck owners in California must carry minimum insurance coverage that adheres to state regulations to comply with the law. The exact amount will depend on the type and size of vehicle they are operating: based on the Gross Vehicle Weight Rating (GVWR).
For non-commercial vehicles below a GVWR of 10,001 pounds, the minimum liability coverage required by law is $15,000 for bodily injury/death per person, $30,000 for bodily injury/death per accident, and $5,000 for property damage per accident. If the vehicle’s GVWR is between 10,001 and 15,999 pounds, then that minimum required liability coverage increases to $25,000 for bodily injury/death per person, $50,000 for bodily injury/death per accident, and $15,000 for property damage per accident.
For vehicles with a GVWR of 16,000 pounds or more, drivers must purchase at least $750,000 in liability coverage. In addition to this minimum requirement, owners may also opt for additional auto liability insurance as well as cargo insurance—which covers lost or stolen products in transit—and trailer or dolly interchange insurance.
Other Factors to Consider When Buying Commercial Truck Insurance
When shopping around for commercial truck insurance it is important to consider all available options and select coverage that meets your specific needs. Each company will offer different levels of coverage along with various terms and conditions so it is important to read over the policy carefully before making any decisions. Examples of additional coverage options include but are not limited to:
• Physical damage protection – This will cover the repair or replacement costs if a vehicle is damaged due to an accident or other mishap.
• Uninsured/Underinsured motorist coverage – This covers damages caused by another driver who does not have enough insurance or is not insured at all.
• Occupants liability/medical – This covers medical expenses incurred by passengers who were injured during an accident caused by the insured driver.
• Hospitalization – This pays for hospital bills that occur as a result of an accident.
• Non-trucking liability – This covers damages caused while operating a non-commercial vehicle
• Cargo liability – This pays for losses that occur while transporting goods or products.
• Pollution liability – This covers clean-up costs associated with hazardous materials released from a vehicle due to an accident or mechanical failure.
• Hired auto liability – This covers damages caused by a substitute vehicle you have hired for temporary use.
Conclusion
Of course this is only a brief overview of California commercial truck insurance policies and their associated requirements—there are many more details to be aware of when selecting and purchasing coverage. Depending on the type of vehicle being used, special endorsements may also be necessary for complete protection. Professional advice from an experienced commercial truck insurance provider should be consulted before making any final decisions about your policy selection. Doing so can help ensure your business remains properly covered should any accidents or unexpected events occur during operations.
Below are the classifications of commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for California Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following California business types.
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – IMPOUND LOT – INTERIOR DECORATING – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – SNOW PLOWING – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
California Heavy Construction Contractors-
SIC Code-1622-Bridge, tunnel, & elevated highway construction
SIC Code-1629-Heavy construction
SIC Code-1611-Highway & street construction
SIC Code-1623-Water, sewer, & utility lines
California Petroleum & Coal Products-
SIC Code-2952-Asphalt felts & coatings
SIC Code-2951-Asphalt paving mixtures & blocks
SIC Code-2992-Lubricating oils & greases
SIC Code-2999-Petroleum & coal products
SIC Code-2911-Petroleum refining
California Special Trade Contractors-
SIC Code-1751-Carpentry work
SIC Code-1771-Concrete work
SIC Code-1731-Electrical work
SIC Code-1794-Excavation work
SIC Code-1752-Floor laying & floor work
SIC Code-1793-Glass & glazing work
SIC Code-1796-Installing building equipment
SIC Code-1741-Masonry & other stone work
SIC Code-1721-Painting & paper hanging
SIC Code-1742-Plastering, drywall, & insulation
SIC Code-1711-Plumbing, heating, air-conditioning
SIC Code-1761-Roofing, siding, & sheet metal work
SIC Code-1799-Special trade contractors
SIC Code-1791-Structural steel erection
SIC Code-1743-Terrazzo, tile, marble, mosaic work
SIC Code-1781-Water well drilling
SIC Code-1795-Wrecking & demolition work
California Transportation Equipment-
SIC Code-3724-Aircraft engines & engine parts
SIC Code-3721-Aircraft
SIC Code-3728-Aircraft parts & equipment
SIC Code-3732-Boat building & repairing
SIC Code-3761-Guided missiles & space vehicles
SIC Code-3751-Motorcycles, bicycles, & parts
SIC Code-3716-Motor homes
SIC Code-3714-Motor vehicle parts & accessories
SIC Code-3711-Motor vehicles & car bodies
SIC Code-3743-Railroad equipment
SIC Code-3731-Ship building & repairing
SIC Code-3764-Space propulsion units & parts
SIC Code-3769-Space vehicle equipment
SIC Code-3795-Tanks & tank components
SIC Code-3799-Transportation equipment
SIC Code-3792-Travel trailers & campers
SIC Code-3713-Truck & bus bodies
SIC Code-3715-Truck trailers
_ _
California Transportation Services-
SIC Code-4731-Freight transportation arrangement
SIC Code-4785-Inspection & fixed facilities
SIC Code-4783-Packing & crating
SIC Code-4729-Passenger transport arrangement
SIC Code-4741-Rental of railroad cars
SIC Code-4725-Tour operators
SIC Code-4789-Transportation services
SIC Code-4724-Travel agencies
_ _
California Trucking & Warehousing-
SIC Code-4215-Courier services, except by air
SIC Code-4221-Farm product warehousing & storage
SIC Code-4225-General warehousing & storage
SIC Code-4212-Local trucking, without storage
SIC Code-4214-Local trucking with storage
SIC Code-4222-Refrigerated warehousing & storage
SIC Code-4226-Special warehousing & storage
SIC Code-4213-Trucking, except local
SIC Code-4231-Trucking terminal facilities
California Wholesale Trade – Nondurable Goods-
SIC Code-5181-Beer & ale
SIC Code-5192-Books, periodicals, & newspapers
SIC Code-5169-Chemicals & allied products
SIC Code-5145-Confectionery
SIC Code-5143-Dairy products, exc. dried or canned
SIC Code-5122-Drugs, proprietaries, & sundries
SIC Code-5159-Farm-product raw materials
SIC Code-5191-Farm supplies
SIC Code-5146-Fish & seafood’s
SIC Code-5193-Flowers & florists’ supplies
SIC Code-5139-Footwear
SIC Code-5148-Fresh fruits & vegetables
SIC Code-5153-Grain & field beans
SIC Code-5149-Groceries & related products
SIC Code-5141-Groceries, general line
SIC Code-5113-Industrial & personal service paper
SIC Code-5154-Livestock
SIC Code-5147-Meats & meat products
SIC Code-5136-Men’s & boys’ clothing
SIC Code-5199-Nondurable goods
SIC Code-5142-Packaged frozen foods
SIC Code-5198-Paints, varnishes, & supplies
SIC Code-5171-Petroleum bulk stations & terminals
SIC Code-5172-Petroleum products
SIC Code-5131-Piece goods & notions
SIC Code-5162-Plastics materials & basic shapes
SIC Code-5144-Poultry & poultry products
SIC Code-5111-Printing & writing paper
SIC Code-5112-Stationery & office supplies
SIC Code-5194-Tobacco & tobacco products
SIC Code-5182-Wine & distilled beverages
SIC Code-5137-Women’s & children’s clothing
Is your California commercial trucking for hire operation ready to haul loads?
To check whether your FMCSA operating authority has been issued(granted) or not do this,
- Go to the SAFER website
- See bold heading “FMCSA Searches”
- Click on “Licensing & Insurance”
- Enter MC Number or USDOT Number in the appropriate box and click “search”
- Click “HTML”
- Scroll to bottom and click on “Authority History.” This page will display the granted date of the operating authority
Commercial truck insurance is an essential form of protection for businesses in California that own, operate, or lease vehicles used to transport property or passengers for hire. Depending on the size and function of the truck, the type and amount of coverage needed will vary accordingly.
This document will provide an overview of California commercial truck insurance policies, associated requirements, and additional details to consider when purchasing this coverage. Businesses that own or lease vehicles used for commercial purposes should become familiar with all aspects of commercial truck insurance to ensure they are adequately protected and in compliance with the necessary legal requirements.
What is Commercial Truck Insurance?
Commercial truck insurance is a special type of automobile insurance intended for vehicles used for business activities. It covers the cost of an accident or property damage caused by the insured’s vehicle. In addition, it can provide coverage for injuries to drivers and passengers involved in an accident, as well as legal costs in the event of a claim.
Commercial truck insurance can be purchased as either a basic package or an additional coverage option for complete protection. Generally speaking, most commercial truck policies cover bodily injury and property damage liability, collision coverage, comprehensive coverage, personal injury protection (PIP), uninsured/underinsured motorist’s coverage (UM/UIM), medical payments, and other optional benefits depending on the policyholder’s needs.
California Requirements for Commercial Truck Insurance
Commercial truck owners in California must carry minimum insurance coverage that adheres to state regulations to comply with the law. The exact amount will depend on the type and size of vehicle they are operating: based on the Gross Vehicle Weight Rating (GVWR).
For non-commercial vehicles below a GVWR of 10,001 pounds, the minimum liability coverage required by law is $15,000 for bodily injury/death per person, $30,000 for bodily injury/death per accident, and $5,000 for property damage per accident. If the vehicle’s GVWR is between 10,001 and 15,999 pounds, then that minimum required liability coverage increases to $25,000 for bodily injury/death per person, $50,000 for bodily injury/death per accident, and $15,000 for property damage per accident.
For vehicles with a GVWR of 16,000 pounds or more, drivers must purchase at least $750,000 in liability coverage. In addition to this minimum requirement, owners may also opt for additional auto liability insurance as well as cargo insurance—which covers lost or stolen products in transit—and trailer or dolly interchange insurance.
Other Factors to Consider When Buying Commercial Truck Insurance
When shopping around for commercial truck insurance it is important to consider all available options and select coverage that meets your specific needs. Each company will offer different levels of coverage along with various terms and conditions so it is important to read over the policy carefully before making any decisions. Examples of additional coverage options include but are not limited to:
• Physical damage protection – This will cover the repair or replacement costs if a vehicle is damaged due to an accident or other mishap.
• Uninsured/Underinsured motorist coverage – This covers damages caused by another driver who does not have enough insurance or is not insured at all.
• Occupants liability/medical – This covers medical expenses incurred by passengers who were injured during an accident caused by the insured driver.
• Hospitalization – This pays for hospital bills that occur as a result of an accident.
• Non-trucking liability – This covers damages caused while operating a non-commercial vehicle
• Cargo liability – This pays for losses that occur while transporting goods or products.
• Pollution liability – This covers clean-up costs associated with hazardous materials released from a vehicle due to an accident or mechanical failure.
• Hired auto liability – This covers damages caused by a substitute vehicle you have hired for temporary use.
>Click here to get your free California Big Rig Truck Insurance Quote<
Conclusion
Of course this is only a brief overview of California commercial truck insurance policies and their associated requirements—there are many more details to be aware of when selecting and purchasing coverage. Depending on the type of vehicle being used, special endorsements may also be necessary for complete protection. Professional advice from an experienced commercial truck insurance provider should be consulted before making any final decisions about your policy selection. Doing so can help ensure your business remains properly covered should any accidents or unexpected events occur during operations.
We offer expert help and quality California big rig insurance in the following counties in CA.
- Alameda County, CA
- Alpine County, CA
- Amador County, CA
- Butte County, CA
- Calaveras County, CA
- Colusa County, CA
- Contra Costa County, CA
- Del Norte County, CA
- El Dorado County, CA
- Fresno County, CA
- Glenn County, CA
- Humboldt County, CA
- Imperial County, CA
- Inyo County, CA
- Kern County, CA
- Kings County, CA
- Lake County, CA
- Lassen County, CA
- Los Angeles County, CA
- Madera County, CA
- Marin County, CA
- Mariposa County, CA
- Mendocino County, CA
- Merced County, CA
- Modoc County, CA
- Mono County, CA
- Monterey County, CA
- Napa County, CA
- Nevada County, CA
- Orange County, CA
- Placer County, CA
- Plumas County, CA
- Riverside County, CA
- Sacramento County, CA
- San Benito County, CA
- San Bernardino County, CA
- San Diego County, CA
- San Francisco County, CA
- San Joaquin County, CA
- San Luis Opispo County, CA
- San Mateo County, CA
- Santa Barbara County, CA
- Santa Clara County, CA
- Santa Cruz County, CA
- Shasta County, CA
- Sierra County, CA
- Siskiyou County, CA
- Solano County, CA
- Sonoma County, CA
- Stanislaus County, CA
- Sutter County, CA
- Tehama County, CA
- Toulumne County, CA
- Trinity County, CA
- Tulare County, CA
- Ventura County, CA
- Yolo County, CA
- Yuba County, CA