Frequently
Asked Questions

• What coverage do I need to start a trucking business?

  For new operations, essentials usually include Primary Auto Liability (FMCSA),
  Motor Truck Cargo, and Physical Damage. Depending on contracts, add
  General Liability and Trailer Interchange/Non-Owned Trailer. If you have
  employees, include Workers’ Comp. We handle required filings and COIs and
  tailor limits to your shippers’ requirements.

• How do I make changes to my policy?

  Email or call with the change—driver, vehicle, garaging, radius, limits, or lienholder.
  We’ll confirm the impact, submit the endorsement to your carrier, and send
  updated documents. Most routine changes and certificates of insurance are
  processed the same business day.

• How are commercial auto premiums calculated?

  Pricing reflects driver MVRs, CDL/US DOT experience, vehicle type and radius,
  commodities hauled, garaging ZIP, prior losses, safety programs,
  and your limits/deductibles. As an independent agency, we shop
  multiple carriers to match coverage and price for your specific risk profile.

• Can you insure my business in multiple states?

  Yes. We’re based in California but licensed nationwide. We place coverage
  for single units and multi-state fleets, coordinate state filings when needed,
  and keep one point of contact for your team. When you expand into new
  states, we adjust or add policies to keep you compliant.

• What should I do if I have a claim?

  Report the loss to your carrier’s 24/7 claims line first, then contact us. We’ll help
  document the incident, connect with adjusters, track status, and advocate on
  your behalf. Keep photos, bills of lading, police reports, and witness details
  whenever available.