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Tractor-trailers
Dry van, reefer, flatbed, general freight, and specialized-haul operations.
Kousa Insurance · California license 0H51533 · NPN 22222940Verify with California Department of Insurance
Commercial trucking insurance · California
Commercial truck insurance built around how you haul.
Tell us what you drive, what you carry, and where you run. A licensed commercial-lines agent will review the operation and compare eligible coverage options.
- Liability, cargo, physical damage, and more
- Owner-operators, new ventures, and fleets
- One focused request — your contact information is not resold as a lead
Prefer a person?Call (310) 923-0509
Free quote request
Start your trucking quote
A short operation check first. No obligation and no payment information.
Step 1 of 3Your operation
Photo: Omar Gerardo / Pexels
Licensed agency
California license 0H51533 · NPN 22222940
No lead resale
We do not sell or resell your contact information as a lead.
Focused first step
No SSN, payment details, or driver-license upload.
Human help available
Call the agency if you would rather talk through it.
To fulfill your requested quote, relevant information may be shared with insurers, wholesalers, rating or data vendors, and service providers as described in our privacy policy.
Trucking-specific intake
Built for the way commercial trucks work
The right policy starts with the operation—not a generic business category. We use your authority, equipment, cargo, radius, and history to help identify available markets.
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Box & straight trucks
Local delivery, final mile, moving, retail distribution, and service routes.
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Hotshot operators
Pickup-and-trailer combinations with time-sensitive regional or long-haul loads.
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Vocational trucks
Dump, tow, auto-hauler, and other operations with distinct equipment and liability needs.
Coverage building blocks
Name the coverage. Then read the terms.
Not every trucking operation needs every option. Policy terms, schedules, limits, deductibles, and exclusions determine what is actually covered.
Start my operation reviewAuto liability
May help pay covered third-party bodily injury and property damage arising from the use of covered autos. Limits and filing needs depend on the operation.
Physical damage
Collision and comprehensive or specified-causes coverage for scheduled tractors and trailers, subject to valuation, deductibles, terms, and exclusions.
Motor truck cargo
May cover the motor carrier’s legal liability for qualifying covered loss or damage to cargo in its care, custody, or control. Commodity, theft, reefer, and unattended-vehicle terms matter.
Trailer interchange
May cover sums the insured is legally obligated to pay for covered damage to a qualifying non-owned trailer in its possession under a written trailer-interchange agreement.
Non-trucking liability
For certain non-business use by leased-on owner-operators, subject to policy and lease terms. It is not automatically the same as bobtail use.
General liability
May cover certain non-auto premises and operations liability. It does not replace commercial auto liability.
What happens next
A short lead form. A real underwriting conversation.
The page collects enough to route the request without pretending a complex trucking risk can be fully quoted in a few clicks.
STEP 01
Share the operation
Start with authority status, equipment, unit count, cargo, radius, timing, and current coverage.
STEP 02
Agent review
A licensed commercial-lines agent confirms missing underwriting details and identifies eligible markets.
STEP 03
Compare next steps
Review available terms, limits, deductibles, exclusions, payments, and any required filings before choosing.
Federal requirements, stated carefully
“FMCSA compliant” is not one universal limit.
Authority type, cargo, vehicle weight, commerce, and hazardous materials can change the required financial responsibility. Federal floors may not satisfy state law or a contract.
Review the current FMCSA filing chart$750K
The federal public-liability minimum for many for-hire interstate or foreign nonhazardous property carriers using vehicles with a GVWR of 10,001 pounds or more. Different federal, state, and contract limits may apply.
Higher limits can apply
Certain oil, hazardous-material, hazardous-waste, passenger, or contract exposures can require or call for more.
The insurer files
When required, the insurer or registered filer submits proof to FMCSA after eligible coverage is bound.
Kousa Insurance: licensed and accountable
Truscott Inc. transacts California insurance business as Kousa Insurance and handles this California campaign. We are an independent insurance producer, not an insurer and not affiliated with FMCSA or USDOT. We do not sell or resell your contact information as a lead.
California license 0H51533 · NPN 22222940
13564 Village Park Dr., # O-325, Orlando, FL 32837
Questions before you start
Commercial trucking insurance FAQ
No obligation to start
Give your operation a trucking-specific review.
Share the operating snapshot now. A licensed agent will confirm what is still needed before requesting terms from an eligible insurer.