Transport/Trucking Insurance
Protect your small business with commercial insurance.
Why Insurance Matters for Transportation & Trucking Businesses?
Transportation companies operate in an environment where risk is part of everyday business. Long hours on the road, heavy vehicles, valuable cargo, and unpredictable traffic conditions all increase the chance of accidents or damage. Even the most careful driver can’t control what happens around them.
Because trucking businesses are responsible for both the vehicle and the freight being transported, a single serious accident or cargo incident can lead to major financial losses. Without the right insurance, one event can disrupt operations or put a business at risk of shutting down.
Key Reasons Insurance Is Essential:
You operate heavy, high-liability vehicles.
Commercial trucks and delivery vehicles can cause serious injuries or property damage in an accident. Claims can easily exceed six figures.
Cargo creates added responsibility.
If freight is damaged, stolen, or contaminated, your business may be financially liable, even if the incident wasn’t your fault.
Regulations require specific coverages.
DOT, FMCSA, and California state requirements often mandate:
Commercial auto
Motor carrier filings
Cargo coverage
Minimum liability limits
Breakdowns and vehicle downtime are extremely costly.
If a truck is off the road, revenue stops. Insurance helps shorten downtime after collisions, theft, or physical damage.
Clients require proof of insurance to release loads.
Shippers, brokers, Amazon DSP programs, and logistics companies will not assign freight without proper coverage in place.
High risk of theft.
California leads the country in cargo theft and is a hotspot for work vehicle break-ins.