01
Unit & trailer schedules
Power-unit count, body type, values, GVWR, ownership, and trailer exposures.
Kousa Insurance & Financial Services · California license 0H51533 · NPN 22222940Verify with California Department of Insurance
Commercial fleet truck insurance · California
Your fleet changed. Your insurance should catch up.
Bring the unit mix, routes, cargo, driver profile, losses, and renewal timing into one fleet-focused review with a licensed commercial-lines agent.
- For established operations with 2+ power units
- Renewal, remarket, and coverage-structure reviews
- Built around the schedule—not a one-truck template
Prefer a person?Call +1 (689) 353-8505
Start your fleet review
Complete the operation, unit, trailer, driver, cargo, coverage, loss, and policy schedules in one guided application.
- Business and operations
- Coverage and cargo
- Equipment and drivers
- Insurance history and review
Eight guided sections. No payment information. No obligation.
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.
Private application
Sensitive quote details are masked in session replays and stored separately.
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
Fleet pricing starts with fleet-quality information
A renewal is easier to evaluate when vehicles, drivers, losses, cargo, radius, and requested limits tell one consistent story.
02
Driver profile
CDL experience, tenure, MVR quality, hiring controls, and driver turnover.
03
Loss performance
Current valued loss runs and a clear explanation of material incidents or corrective action.
04
Operation controls
Radius, commodities, contracts, maintenance, safety practices, and telematics where applicable.
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
One detailed application. A focused underwriting review.
The guided intake gathers the schedules and history an agent needs up front, reducing avoidable follow-up before eligible markets are reviewed.
STEP 01
Complete the application
Work through business, authority, coverage, cargo, equipment, drivers, insurance history, and review.
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 & Financial Services: licensed and accountable
Truscott Inc. transacts California insurance business as Kousa Insurance & Financial Services 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
Put the whole fleet in one clear underwriting story.
Complete the operation, equipment, driver, and insurance details now. A licensed agent will review the application before requesting terms from an eligible insurer.