Trucking Insurance Solutions for California Businesses
Protect Your Trucks, Your Business, and Your Future
Trucking insurance isn't just another auto policy-it's a comprehensive protection package built for the risks and requirements of the transportation industry. Whether you're an owner-operator, run a local fleet, or manage a logistics company, the right insurance keeps your business moving, compliant, and financially secure.
How Trucking Insurance Works-Beyond Standard Auto
Unlike personal auto insurance, trucking coverage combines multiple policies to address the higher stakes of hauling goods for business. You'll need core protection for your vehicles and drivers, but also for your cargo, contracts, and regulatory filings. California and federal rules mean one gap could cost you big-our job is to help you avoid surprises.
Required Coverages for Trucking Companies
Commercial Auto Liability
Covers third-party bodily injury and property damage-meets both California and FMCSA (federal) minimums.
Workers' Compensation
Required for businesses with employees-covers driver injuries and work-related illnesses.
General Liability
Protection for business operations outside the truck-slip-and-fall, property damage at client sites, etc.
Federal Filings (MCS-90)
Essential for interstate carriers-ensures your insurance meets federal proof of financial responsibility.
California State Minimums
State-mandated liability and other requirements for in-state carriers.
Optional (But Highly Recommended) Trucking Coverages
Cargo Insurance
Protects the goods you haul-essential for contracts and peace of mind.
Physical Damage Coverage
Pays for repairs to your own trucks and trailers after an accident or other covered loss.
Non-Trucking Liability & Bobtail Coverage
Covers you when operating without a trailer or outside of dispatch.
Additional Protections
Options like downtime/rental reimbursement, equipment breakdown, and more.
Who Needs Commercial Truck Insurance?
- Owner-operators and independent contractors
- Local and regional trucking fleets
- Logistics and freight businesses
- Businesses with company-owned trucks for hauling goods
Each business model has its own mix of required and recommended coverages-we help you sort out what's needed for your specific operation.
Why Trust Shaver Insurance With Your Trucking Coverage?
California Compliance Experts:
Deep knowledge of both state and FMCSA rules, filings, and minimums. We'll make sure you stay road-legal and contract-ready.
Tailored Policies:
From single trucks to full fleets, we customize protection for your risks, vehicles, and cargo.
Business Insurance Pros:
Bundle your trucking, general liability, and workers' comp for savings and simplicity.
Award-Winning Local Service:
40+ years, Mercury Insurance Service Excellence Award, and trusted by dozens of transportation businesses across the Inland Empire.
Get on the Road With Confidence-Start Your Quote Today
Don't risk fines, denied contracts, or financial disaster. Let Shaver Insurance build the right truck insurance plan for your business-so you can keep hauling, earning, and growing.
