California Commercial Truck Insurance
Whether you have one or keep multiple fleets for carrying out your business activities, we offer bespoke truck insurance coverages for all. We have over 3 decades of experience in delivering high-end trucking insurance solutions to our clients, an A+ rating with the BBB, and hundreds of 5-star Google reviews. At NITIC, you get the best value for the money you spend on your truck insurance.
Learn More About Our Truck Insurance Options in California
To keep your commercial trucks safe both on and off the road and also to operate uninterruptedly, you need adequate commercial truck insurance in California. We offer several insurance solutions to our customers at the most affordable rates. We have an unending list of satisfied clients in the state, call us and become one of our valued and happy customers.
What do we offer California owner-operators?
Once you trust us with your trucking needs, you will never regret it a bit. We have a huge customer base in the United States. We offer constant customer support to our clients to help them with their claim settlement at the quickest rate. We provide customized policies for all types of trucks. We don’t believe in pitching unnecessary add-ons because we don’t want our customers to pay extra money. We only introduce you to the needed insurance coverage that proves to be beneficial.
Areas we cover in California
- Fresno
- Riverside
- Glendale
- Anaheim
- Chula Vista
- Fremont
- Long Beach
- Bakersfield
- Huntington Beach
- Los Angeles
- Sacramento
- Modesto
- Oakland
- Oxnard
- San Diego
- Stockton
- Santa Ana
- San Francisco
- Van Buren
- Pine Bluff
- Rogers
- San Bernardino
- San Jose
Commercial truck insurance in California
Being in the trucking business is full of possible threats. Risks like theft, collision, cargo loss, physical injury, etc. can occur anytime. To protect your business from such mishaps, you need to have adequate commercial truck insurance in California. This policy offers great monetary help and keeps your business operations unharmed.
Types of Trucks We Insure in California
Whether you own a small trucking company or a multi-truck operation, it’s important to have adequate protection in the form of truck insurance. No matter how small or big your commercial vehicle is, we ensure all types of trucks including:
Semi-trucks: Having multiple axles, semi-trucks or tractor-trailers are designed to carry heavy cargo from one end to another. It has a long trailer attached to the back of the truck.
Tow trucks: Moving damaged, irreparable, or wrongly parked vehicles from one point to another is what towing trucks do. Some towing business also offers repair facilities in their custody.
Box trucks: Used for multipurpose, box trucks are used for transporting various types of cargo from point A to point B. It has one of the most powerful engines.
Dump trucks: Dump trucks are heavy-duty vehicles that are used for hauling bulky construction materials like dust, sand, asphalt, gravel, etc.
Refrigerator trucks: Trucks that have in-built refrigeration are used for transporting ice cream, seafood, and other perishable goods.
Hotshots: Hotshots are used for time-sensitive deliverables. These trucks usually carry small loads from one place to various locations on an expedited timeline.
Why do you require commercial truck insurance in California?
Commercial truck insurance comes with several benefits. Not only it protects your finances but also keeps your business reputation intact. If you are using a commercial vehicle for transporting cargo in California then you need to get the following coverages.
Liability insurance: Whether you drive locally or do long hauls in California, you need to have liability coverage to operate legally on the road. It is minimum and mandatory coverage by state law that protects you against property damage or bodily injury done to a third party in an accident.
Physical damage coverage: This policy is not legally required but is no less significant. This coverage pays for all the property and physical damages faced by you in the event of an accident.
Motor truck cargo: The cargo you transport is the most important factor in your trucking operation. Therefore, to ensure its safety from possible incidents motor truck cargo insurance comes into play.
Truckers’ general liability: This coverage offers protection for you and your business from bodily injury and property damage done by your driver to the other party. It also pays for the lawsuit by people impacted by the accident.
How Much Does Commercial Truck Insurance Cost in California?
While each driver’s situation is unique, the average commercial truck insurance premium in California for drivers with a clean driving record is between $11,200 – $15,200 per year, depending on the type of truck they are looking to insure and the limit of liability. In California, we see a range of premiums from $11,000 to $16,000 per year.
To find out how much you can expect to pay for your commercial truck insurance in California, contact our team today for a quick and easy quote.
Example California Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your California insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.
|
Limit of Liability
|
$300,000
|
$500,000
|
$750,000
|
$1,000,000
|
|---|---|---|---|---|
|
Dump Truck
|
$11,200
|
$13,200
|
$13,800
|
$15,200
|
|
Box Truck
|
$11,200
|
$13,200
|
$13,800
|
$15,200
|
|
Tow Truck
|
$12,200
|
$13,200
|
|
$15,200
|
|
Tractor Trailer
|
$12,200
|
$13,200
|
$14,800
|
$15,200
|
California Commercial Truck Insurance Requirements
The necessary liability insurance coverage for commercial trucks in California varies according to the nature of the cargo. Trucks weighing over 10,000 pounds are mandated to carry minimum commercial truck insurance in California at the following levels:
- $300,000 for transporting household goods
- $750,000 for transporting general freight
- $1,000,000 for transporting oil
- $5,000,000 for transporting hazardous materials
- Cargo insurance must be maintained at $20,000 per vehicle and $20,000 per catastrophe.
Interstate Commercial Truck Insurance Requirements
The Federal Motor Carrier Safety Administration (FMCSA) mandates minimum commercial truck insurance, which is contingent on various factors. Broadly, the federal requirements for commercial truck insurance for interstate travel encompass the following:
- $300,000 for transporting non-hazardous freight in trucks weighing less than 10,001 pounds
- $750,000 for transporting non-hazardous freight in trucks weighing more than 10,001 pounds
- $1,000,000 for transporting oil
- $5,000,000 for transporting hazardous materials
Commercial Truck Insurance Filing Requirements
Depending on where and what you are hauling, your filings may change. Below are the requirements for Federal, Intrastate, and California filings.
Federal Truck Insurance Filing Requirements
- BMC-91X filing – The BMC-91X filing is a document forwarded to the Federal Motor Carrier Safety Administration (FMCSA). Its purpose is to assure the FMCSA that you possess adequate Liability insurance to address the heightened risks associated with interstate transportation of goods or passengers. This filing becomes necessary when your insurance coverage is sourced from multiple companies rather than a single provider.
- MCS-90 form – The MCS-90 is an essential endorsement that must accompany Liability insurance and Cargo Liability insurance policies whenever a federal filing is mandated. Its purpose is to ensure that the minimum required protection is provided to individuals from the public involved in accidents where you are deemed legally liable. It’s crucial to note that the MCS-90 itself is not submitted to the Federal Motor Carrier Safety Administration (FMCSA). Instead, the BMC-91X filing is presented to the FMCSA as confirmation that the MCS-90 endorsement has been included in the insurance policy.
Intrastate Truck Insurance Filing Requirements
- Form E filing – A Form E filing serves as confirmation that your Liability insurance adheres to the financial responsibility regulations of the state. This form is submitted to the governing department in your business’s home state responsible for overseeing intrastate trucking operations.
- Form F filing – A Form F filing is an endorsement to your policy that conforms it to each state’s financial responsibility laws.
- Form H filing -A Form H filing provides assurance to your state that you maintain adequate Cargo Liability insurance coverage. It is submitted to the department within your business’s home state responsible for overseeing such matters. It’s important to note that Form H filings may not be applicable in all states or circumstances.
- Form K filing – A Form K filing is used to cancel a previous state filing and is submitted to the state agency that regulates motor carrier financial responsibility in your business’s home state.
California Truck Insurance Filing Requirements
- CA OL 207 – The California Driving School Certificate is a document sent to the California DMV to confirm insurance coverage. California imposes specific criteria for driving schools due to the frequent rotation of drivers for each vehicle.
- MCP-65 filing/ HQMCP65 – Commercial vehicle operators in California are mandated to secure both a Motor Carrier Permit and a Carrier Identification Number. As part of this process, they must submit an MCP-65 filing, also known as a DMV65MCP, to the California DMV. This filing serves as evidence that they maintain the necessary level of Liability insurance.
- PL914 filing – A PL914 filing is a form presented to the state of California by businesses that provide commercial balloon, commercial river rafting, or commercial skiing (class C) excursions. These excursions must include passenger transportation as an integral part of the package, with no extra charges.
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