Commercial Truck Insurance
Tailored coverage for fleets and owner‑operators across CA, AZ, NV, TX, CO, and OR—built to protect your equipment, cargo, and contracts while keeping you compliant.
✓ Backed by top-rated carriers · ✓ In business since 2017 · ✓ Award-winning support
Core Coverage Packages
Auto Liability
Protects your operation against third‑party bodily injury and property damage.
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Limits available from $750K to $2M+
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Filings for FMCSA (MCS‑90) and state as needed
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Primary for for‑hire, local to OTR
Physical Damage
Covers your tractors and trailers for collision, comprehensive, fire and theft.
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Agreed or stated value options
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Deductibles tailored to your risk tolerance
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Gap for new units and rental reimbursement available
Motor Truck Cargo
Protects the freight you haul—meets broker and shipper requirements.
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Limits commonly $100K–$250K; higher by request
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Reefer breakdown and debris removal options
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Exclusions reviewed up front for your commodities
Who We Cover
Operations
Owner‑operators, new ventures, and established fleets hauling local, regional, or OTR.
Equipment
Tractors, box trucks, day cabs, reefers, flatbeds, hotshots, and trailers.
Multi-state
California, Arizona, Nevada, Texas, Colorado, and Oregon.
From the Road: Real Results
“Lucila’s Truck Insurance got our filings handled the same day and placed coverage that met shipper requirements—without ballooning our premium.”
Marcos G.
Owner‑operator, 4‑truck fleet — Texas
Fast Turnarounds, Clear Expectations
Same‑Day COIs
Certificates issued promptly so you never miss a load.
Quotes in 24–48 Hrs
Standard new quotes typically turned around within two business days.
Rush Options
Need it faster? Tell us your deadline—we’ll prioritize.
Bind & Go Digital
E‑sign, e‑ID cards, and filings handled—no office visit required.
Frequently Asked Questions
Can I start a new venture with no prior insurance?
Yes. We place many new ventures. Underwriters will weigh your experience, safety plan, and driver history; some carriers may require higher down payments.
Do you file my MCS‑90 and state filings?
We coordinate FMCSA and state filings as part of binding. We’ll let you know which filings apply and confirm once accepted.
What commodities are excluded under Cargo?
Each policy has exclusions. Common ones include high-theft items (e.g., electronics, liquor, tobacco), household goods, and autos unless scheduled. We review your commodity list to match the right market.
Can I add a trailer I do not own?
Yes—via Trailer Interchange or Non-Owned Trailer coverage. We’ll guide you on which form your contract requires.
Ready to protect your operation?
Request a fast, no‑pressure quote. We’ll outline options that meet broker and shipper requirements—without overpaying.