Owner Operators & Everything Trucking

Let 321 Insurance Services, Inc. help you find the proper insurance coverage for your commercial truck needs. Our knowledgeable staff will help you navigate state and federal laws and will offer you top coverage at a fair price for your truck or trucking liability insurance needs.

Navigating the confusing world of ever-changing laws and requirements can feel overwhelming. Allow our staff to help you navigate through the complexities of coverage to not only guarantee that you are complying with all federal and state laws but giving you peace of mind knowing that should a collision take place or personal injury occurs, you will have the comfort of knowing that we are on your side. 

We understand the risks that owner-operators take on a daily basis. That is why we work with top-rated companies that have a proven track record for caring for customers. We want to assure you that your commercial truck insurance policies will not only give you the best possible comprehensive coverage, but that it can be offered to you at an affordable and competitive rate.  Allow us to customize a package that meets all of your needs to protect you, your company and your future. We will provide you with quick and easy online quotes, because we value your time as much as you do.

Types of Insurance

• Primary Liability – Primary Liability coverage is required by both state and federal agencies. This option protects you from damages or injuries that you might cause to other people as a result of a truck accident.
• Comprehensive Physical Damage and Collision Coverage – This insurance covers repair or replacement costs for your truck and trailer. Whether you are the unfortunate victim of a collision, fire flood or other natural disaster, this coverage will repair or replace your owned vehicles.
• Motor Truck Cargo Coverage – Motor truck cargo insurance protects the owner, operator and transporter should freight be damaged or lost. Unfortunately, accidents happen and this insurance will help to protect you and your client from damaged or lost cargo. It will also cover legal expenses that you might incur while dealing with your clients.
• General Liability – General Liability covers medical payments for personal injury or property damage sustained while on your premises, unloading cargo and other accidents that occur around your business.
• Excess Liability — Excess liability coverage protects your business during  catastrophic events. This type of coverage offers insurance for amounts that go beyond the normal limits of a standard insurance policy to give you greater peace of mind.
• Bobtail (Non-Trucking) Liability Coverage — Bobtail commercial truck insurance covers the liability of the owner operator and the tractor anytime it is not attached to a trailer regardless of whether or not the truck is under dispatch.
• Workers Compensation Insurance — Workers Compensation insurance will provide medical and wage benefits to your employees should they be injured or become ill while at work. This coverage protects the business owner and employees from financial harm should an injury occur while on the job. Assembly Bill 5 (AB5) went into effect in 2020 and affects independent contractors such as gig workers like Uber, Lyft, and DoorDash. throughout California. 
• More Available — Need a different type of coverage? Let us know what you need and we will work to help you gain peace of mind and comprehensive coverage for all your needs.

Whether you’re looking for an owner operator, motor carrier, or private carrier, 321 Insurance Services, Inc. can help you find trucking liability insurance coverage to meet your needs and protect your assets. Contact us to find out more about commercial truck and trucking insurance in California, Arizona, Nevada, Texas, Idaho, Utah, Mississippi and Oregon.

In the state of California, new businesses with commercial vehicles over 10,000 lbs are required by law to get federal & state permits. These permits help agencies regulate the safety of the vehicle, the driver and business operations. These permits confirm that your business is in compliance and is up to date on all fees required to operate.

All owner operators are required to maintain active commercial vehicle insurance in order to operate legally.  Here at 321 Insurance, we are proud to say that with over 20 years of experience we can be more than just helpful with the process.  No matter what you haul, where you travel to or who you haul for, our experienced agents will help you establish adequate coverage to operate efficiently.