From owner-operators running drayage out of the Port of Oakland to fleets hauling produce up I-5 into the Bay, we shop commercial truck coverage across carriers — primary liability, cargo, and physical damage. Bilingual agents who understand the trucking business.
Aceptamos ITIN · Sin preguntas sobre tu estatus
No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
Or leave your number — we'll call you back
Commercial truck insurance is not one policy — it is a stack of coverages that depend on what you haul, who you contract with, and where you run. An owner-operator pulling drayage loads out of the Port of Oakland, a flatbed running construction materials around San Jose and the South Bay, and a reefer hauling Central Valley produce up I-5 each need a different mix. As an independent broker we shop the trucking market across carriers instead of forcing your operation into one company's box, and we explain in plain English — or Spanish — what each line actually does before you buy it.
The pieces most Bay Area truckers need are primary liability (required to operate and to keep your MC/DOT authority active), cargo coverage (which a shipper or load broker almost always requires before they tender you a load), and physical damage on the truck and trailer you have money tied up in. From there, non-trucking liability and bobtail fill the gaps when you are driving off dispatch or without a load. We sort out which of these your authority and your contracts actually require.
Required to run under your own authority and to keep your MC/DOT active. Covers injury and damage you cause to others on the road.
Covers the freight you are hauling. Most shippers and load brokers will not tender a load without a cargo certificate on file.
Collision and comprehensive on your tractor and trailer — coverage that protects the equipment you are still making payments on.
Coverage for when you drive the truck off dispatch and not under a load — the gap a motor carrier's policy leaves open.
Protects you when you are driving the tractor without a trailer attached, often between loads or back to the yard.
Whether you run one truck under your own authority or a small fleet, we structure coverage and certificates to match.
The trucking work around San Jose and the wider Bay Area is its own world. Drayage drivers move containers in and out of the Port of Oakland on tight appointment windows. Dump and flatbed operators feed the constant construction across Santa Clara County. Owner-operators run produce and goods up and down I-5 and I-880 between the Central Valley, the South Bay, and the East Bay. Each of those operations carries a different risk and a different set of contract requirements, and the certificate a port terminal or a load broker demands is not the same as what a local hauler needs.
California also changed the ground under owner-operators with AB5, and many drivers are weighing whether to run under a motor carrier or get their own authority. That decision changes your insurance completely — running under someone else's authority versus carrying your own primary liability and filings are two different policies. We walk troqueros through what each path requires so the coverage matches how you are actually set up, not how a generic quote assumes you run.
Our San Jose office at 25 N. 14th St. on the East Side works with troqueros and trucking companies the way they actually operate — early starts, tight load deadlines, and certificates that sometimes have to be issued before you can pick up the next load. We work bilingually in English and Spanish, because a large share of the owner-operators running this region do business in Spanish, and trucking coverage has too many moving parts to get lost in translation.
We are open Monday through Friday 10am to 6pm and Saturday 10am to 3pm, and you can walk in, call, or start online. There are no broker fees on standard policies, we accept ITIN numbers, and we do not ask about immigration status. If another agent turned you away or could not handle your authority and filings, bring it to us — we will tell you straight what your operation needs and shop it across carriers.
Walk in or call — we'll shop primary liability, cargo, and physical damage across carriers for your operation.