We help you secure long haul trucking insurance in California that protects you, your vehicle and financial assets in the event of:
- Traffic accidents
- Unexpected vehicle damage
- Property damage
Our agents use 20 years of experience to find a policy and coverage that protects long haul drivers and/or fleet owners. We understand that owner-operators and fleet owners want to keep costs low to protect their businesses.
We’ll present you with multiple insurance options that you can mix and match to meet your budget and risk needs.
What’s Included in Long Haul Trucking Insurance in California
Our long haul trucking insurance in CA gives owner-operators access to multiple forms of coverage. Policies that we help you secure include but are not limited to the following:
- Primary liability: Coverage that protects against losses if the driver causes property damage and/or bodily injury to another party.
- General liability: Protection against property damage and bodily injury that occur during business operations, out of premises and even due to advertising.
- Physical damage: Insurance coverage that covers the cost of repairing or replacing your truck if you’re in an accident.
- Passenger accident: Death or dismemberment of one or more passengers is covered under passenger accident coverage. Medical expenses are also included within the policy.
- Motor truck cargo: Any damage to goods that are in the possession of the insured party are covered under motor truck cargo insurance. For example, if you’re hauling food and the refrigeration system breaks down, it will be covered.
Are you an owner-operator with a leased truck? We offer additional coverage, including but not limited to:
Coverage For Leased Owner-Operators
- Non-trucking liability: Covers events when the truck is operated for personal use.
- Physical damage: Covers damage or loss of the vehicle.
- Passenger accident: Provides protection for accidental dismemberment or death of passengers as well as medical expense coverage.
- Unladen liability: Provides coverage when the trailer is empty or not attached.
- Bobtail liability: Protects the truck’s value when it is being used without a trailer connected to it, whether for personal or business use.
Additional Coverage Options for California Long Haul Trucking Insurance
Long haul drivers can also extend their coverage to include additional protection, such as:
- Personal property protection. This endorsement covers a driver’s GPS units, personal clothes, refrigerators and other personal items.
- Roadside assistance. Provides emergency dispatch 24/7. It typically includes heavy towing, tire changes, jump-starts, fuel delivery and, in some cases, on-site mobile mechanic repairs.
- Supplemental towing. Covers the cost of towing a semi-truck and trailer from the scene of an accident or breakdown.
- Rental reimbursement with downtime coverage. Provides a daily dollar limit to help rent a replacement semi-truck or cover fixed expenses while a rig is being repaired after a covered accident.
- Cleanup. Covers the cost of debris removal, pollutant containment and environmental restoration after a crash or spill.
- Limited depreciation coverage. Provides protection for new or recent-model semis from rapid value loss due to a serious accident.
- Trailer interchange. A specialized coverage for non-owned trailers pulled under a trailer interchange agreement.
- Gap insurance. Covers the gap between a semi’s actual cash value and the remaining balance on the loan or lease if the vehicle is totaled or stolen.
Although these coverages are optional, they help bridge any gaps that leave you vulnerable to liability.
A comprehensive California long haul trucking insurance policy gives you peace of mind every time you or your fleet hits the road.
Our agents help you obtain a quote for a policy that meets your individual needs and budget, with or without additional coverage.