Truck Insurance

We offer Truck insurance for all types of businesses. Our Insurance firm serves to provide the most secure
policy for your company or business.


Truck insurance is essential for businesses utilizing trucks for commercial purposes. It provides financial protection against accidents, damages, and theft, ensuring business continuity and legal compliance.

Commercial truck insurance is a type of commercial auto insurance that can be life-saving for you and your employees when an unexpected event happens to you on the road. This covers the medical expenses, and property damage even if the accident is life-threatening, saving you and your employee from the financial crisis. 


Coverage TypeDescription 
Basic Coverage
LiabilityCovers damages or injuries to other parties if the insured truck is at fault in an accident.
Physical DamageProtects the insured truck against damage from accidents, theft, vandalism, or certain natural disasters.
Medical PaymentsCovers medical expenses for the driver and passengers in the insured truck regardless of fault. 
Specialized Coverage
Cargo InsuranceProtects against the loss of or damage to the cargo being transported.                     
Refrigeration BreakdownCovers loss of cargo due to the breakdown of refrigeration or heating equipment. 
Hazardous MaterialsOffers specialized coverage for trucks transporting hazardous materials, covering spills or contamination events.
Non-Trucking Coverage
Bobtail InsuranceProvides liability coverage for a truck when it is being driven without a trailer, typically for personal use.
Non-Owned Vehicle CoverageExtends liability coverage to vehicles not owned by the business but used for business purposes. 
Rental Reimbursement Covers the cost of renting a replacement vehicle if the insured truck is out of service due to a covered loss.

Importance of Truck Insurance

Financial Protection

Accident Costs: It covers repair or replacement costs for trucks and other property damaged in an accident.

Liability Claims: It protects against financial losses from liability claims for bodily injury or property damage caused to others.

Legal Compliance

This ensures businesses adhere to state and federal regulations requiring commercial trucks to carry specific insurance types and minimum coverage amounts.

Business Continuity

This helps minimize financial disruptions following accidents, theft, or vandalism, helping businesses maintain operations without significant financial setbacks.

Risk Management

Providing a framework for managing the risks associated with commercial truck operations, including accident risks, cargo loss, and liability issues.

Employee Protection

Provides coverage for medical expenses and lost wages for drivers injured while working, under certain policies like workers' compensation.

Peace of Mind

It gives business owners, employees, and stakeholders confidence that financial risks are managed, allowing focus on core business activities.

Types of Trucks Covered

Truck insurance typically covers a wide range of commercial vehicle types to cater to the diverse needs of businesses. Here are some of the different types of trucks that are commonly covered under truck insurance policies:

1. Light Trucks

These include smaller commercial vehicles such as pickup trucks, vans, and utility trucks. They are often used for local deliveries, tradesman services, and small business operations.

2. Medium Trucks

This category includes box trucks, refrigerated trucks, and flatbed trucks. Medium trucks are commonly used for regional deliveries, such as transporting goods to and from distribution centers.

3. Heavy Trucks

Heavy trucks include vehicles such as semi-trucks (18-wheelers), dump trucks, concrete mixers, and log carriers. These trucks are essential for long-haul transportation, construction projects, and other heavy-duty applications.

4. Tanker Trucks

These are specialized trucks designed to transport liquids, gasses, or dry bulk cargo. Tanker trucks are crucial for the agricultural, oil and gas, and chemical industries.

5. Tow Trucks

Tow trucks, including both wreckers and flatbed tow trucks, are covered by truck insurance due to their role in vehicle recovery and roadside assistance services.

6. Tractor Trailers

Tractor trailers, or semi-trailers, are a common sight on highways, transporting goods across long distances. They play a key role in the supply chain and logistics sector.

Sub-types of Commercial Vehicle Insurance:


Insurance Type Description  Coverage Highlights
Dump Truck InsuranceCovers damages or injuries caused by dump trucks, including cargo loss Liability, physical damage, cargo insurance 
Tow Truck Insurance Protects against liabilities and damages in towing operations.Liability, on-hook coverage, garage keeper's legal liability 
Box Truck InsuranceProvides coverage for vehicles used in the delivery and transport of goods.Liability, comprehensive, collision, medical payments 
Semi Truck Insurance Offers comprehensive protection for long-haul trucking operations. Liability, physical damage, bobtail, non-trucking liability
Trailer Interchange Coverage Insures against damage to non-owned trailers being used under a trailer interchange agreement.  Physical damage for non-owned trailers  
Tractor Trailer InsuranceSpecialized coverage for tractor-trailer combos, including liability and physical damage. Liability, physical damage, trailer interchange 
Non-Trucking Liability Insurance Liability coverage for trucks used for non-business purposes. Liability when the truck is not being used for the transport of goods


Factors Affecting Cost of Insurance:

Calculating the cost of business truck insurance involves several factors that are considered to determine premiums. While the exact formula can vary from one insurance company to another, here are the key factors that generally influence the cost:

1. Type of Truck

The size and class of the truck (light, medium, heavy) affect the insurance cost. Heavier trucks usually incur higher premiums due to the greater potential for damage in an accident.

2. Usage

The insurance cost depends on the usage of the truck. Those used for long-haul transportation face different risks compared to local delivery vehicles, affecting the premium.

3. Cargo

The type of cargo being transported can significantly influence the cost. Hauling hazardous materials or high-value goods typically results in higher premiums due to increased risk.

4. Operating Radius

The distance a truck travels from its home base affects insurance rates. Longer distances generally increase the risk of accidents and insurance costs.

5. Driving History

The driving records of those operating the truck play a crucial role. A history of traffic violations or accidents can lead to higher premiums.

6. Coverage Type and Limits

The types of coverage (liability, comprehensive, collision, etc.) and the limits chosen also determine the cost. Higher coverage limits and additional protections increase the premium.

7. Deductible Amount

The deductible, or the amount paid out of pocket before insurance kicks in, inversely affects the premium. Higher deductibles usually result in lower premiums.

8. Safety Features and Programs

Trucks equipped with safety features (like anti-lock brakes, and GPS tracking) and businesses with safety programs and driver training can often secure lower premiums.

Providing Complete Assistance at E360

Understanding truck insurance can seem daunting, but we're here to simplify it for you. Here's what we offer:


Primary Liability: Essential for truck owners to cover damages or injuries to others.

Owner-Operator Specials: Including non-trucking liability, damage truck insurance, and bobtail coverage.

Legal Compliance: We ensure you meet legal requirements based on freight type and vehicle size. For trucks over 10,000 GVW operating in California:

  •   $300,000 coverage for household goods.
  •   $750,000 for general freight.
  •   $1,000,000 for oil transport.
  •   Custom options for different cargo types.

Paperwork Assistance: Forget the hassle of dealing with forms. We handle:

  •    Form H
  •    MCP-65
  •    Form MCS-90
  •    BMC-91


Whether you own your fleet or are an owner-operator, we have the insurance solutions to keep you covered and compliant.

The Procedure to Apply for Commercial Truck Insurance

Applying for commercial truck insurance involves several steps to ensure you obtain the right coverage for your business needs. Here's a streamlined approach:

Assess Your Insurance Needs

  • Determine the types of coverage you need, such as liability, comprehensive, collision, cargo insurance, and any additional endorsements relevant to your operations.
  • Decide on the coverage limits based on potential risks and the value of your assets.

Gather Required Information

Collect necessary information that insurers will request, including:


  • Business Details: Legal name, address, and type of business.
  • Driver Information: Names, licenses, and driving histories of all drivers.
  • Truck Details: Make, model, year, VIN, and current value of each truck.
  • Operational Information: Types of cargo, operating radius, and average miles traveled.

Obtain Quotes

  • You can consult one of our best insurance agents at E360 Insurance to get a variety of quotes.
  • Evaluate the coverage options, limits, deductibles, and premiums to find the best match for your needs.

Choose a Policy

  • Carefully read the policy details, including coverage, exclusions, and conditions.

Finalize the Application

  • Submit the required documentation to the insurer. This may include business licenses, vehicle registrations, and proof of driver eligibility.
  • Some insurers may require a vehicle inspection or additional documentation.

Make the Payment

  • Decide a payment plan that suits your business's cash flow. Some insurers offer discounts for paying the premium annually or semi-annually.
  • Complete the transaction to activate your coverage.

Receive Your Policy

  • The insurer will provide you with your policy documents, either digitally or in hard copy.
  • Ensure all the information is accurate and understand how to report a claim.

Ongoing Review and Adjustment

  • Regularly Review Your Policy: Assess your coverage annually or after significant changes to your business operations.
  • Update as Necessary: Contact your insurer to adjust your policy if your coverage needs to change.

Choose E360 Insurance

  • Outstanding Services: Fast claims processing and customer support.
  • Online Policy Access: Manage your policy anytime, anywhere.
  • Competitive Rates: Affordable premiums for comprehensive coverage.

With e360 Insurance services, you're choosing a partner that stands for reliability, affordability, and expertise in commercial truck insurance. Call +18888626750 or Request a Quote here.

We make insurance simple.

Insurance Partners

Call Today for More Information


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Our Reviews

Admin Magic Rentals
Admin Magic Rentals
15 February 2024
Great company! Mario & Ciara are the best & always super helpful.
Pink Elephants Moving And Storage
Pink Elephants Moving And Storage
10 February 2024
I have been using their services for a very long time. For my Car Insurance for my business insurance for any insurances. Need that I ever had to have. And I can tell you. It's different than using cheap insurance services that you don't know what you're getting into in e360 You have an answer for all your questions. They will ever always take care of your needs and they will always put you. First
Raymond Fouladian
Raymond Fouladian
7 February 2024
I have been working with PJ and his team for 10+ years. They manage all of my insurance policies. They provide nothing short of superior service. The e360 team are professional, experienced and pay attention to any and all details. I would highly recommend e360 for all of your insurance needs.
Luis Pineda
Luis Pineda
7 February 2024
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Dominique Maneri
Dominique Maneri
1 February 2024
Harvey was an excellent help throughout the whole process of getting our insurance quotes! We'd waited months from another provider to receive competitive quotes but received quotes from e360 Insurance Services within just a week or two of asking for them! On top of that, Harvey was extremely communicative throughout the whole process. Anytime I had a question, there was a prompt response or a phone call to further explain. We will definitely consider using e360 Insurance Services in the future!
Krista Adler
Krista Adler
17 January 2024
Veronica and her team were amazing! They answered all our questions and got our new account active very fast! Thanks for all your help!
Jeffrey Holman
Jeffrey Holman
9 January 2024
Veronica did an amazing job getting my commercial vehicle insurance set up. Fast and painless! Thanks Veronica!