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Trucking Insurance

Keep your trucks on the road with full protection

Operating a trucking business comes with unique risks. Trucking insurance ensures your fleet, drivers, and cargo are protected from accidents, liability claims, and regulatory fines. At Narvaez Insurance Services, we provide customized trucking insurance in Napa, Solano, and Sonoma to help owner-operators and fleet owners stay compliant and covered.

Coverage that keeps you moving

Whether you run a single truck or a full fleet, accidents, cargo damage, and compliance issues can impact your business. Trucking insurance protects against vehicle damage, liability claims, and regulatory fines. We work with interstate and intrastate trucking businesses to ensure you meet FMCSA and state requirements while keeping costs under control.

What is included?

Essential coverage for truckers and fleet owners:

  • Primary liability insurance – Covers bodily injury and property damage if you're at fault in an accident.
  • Physical damage coverage – Pays for repairs to your truck in case of collision, theft, or vandalism.
  • Motor truck cargo insurance – Protects the goods you transport in case of damage or theft.
  • Non-trucking liability (bobtail insurance) – Covers your truck when it's being driven for non-business purposes.
Stay covered on every haul

Understanding trucking insurance

  • What type of trucking insurance do I need?

    The coverage you need depends on your operations, cargo, and whether you cross state lines. Most truckers need primary liability insurance, physical damage coverage, and motor truck cargo insurance. If you operate interstate, you may need additional filings to meet FMCSA regulations.

  • What is the difference between interstate and intrastate trucking insurance?

    Interstate trucking insurance covers truckers who cross state lines and must comply with federal FMCSA regulations. Intrastate trucking insurance is for those who operate only within one state and must follow state-specific requirements. We help ensure you have the right coverage for your route and cargo.

  • How much does trucking insurance cost?

    The cost of trucking insurance in Napa, Solano, and Sonoma depends on factors like driving history, cargo type, and the number of trucks insured. Higher-risk businesses may pay more in premiums, but we help truckers find affordable policies that meet compliance requirements.

  • What does trucking insurance NOT cover?

    Standard trucking insurance does not cover personal items in your truck, intentional damage, or mechanical failures due to wear and tear. You may need additional coverage for lost revenue, roadside assistance, or downtime protection.

  • How do I get a trucking insurance quote?

    Call us today to discuss customized trucking insurance in Napa, Solano, and Sonoma. We’ll help you find the right policy that fits FMCSA regulations, state requirements, and your budget—keeping your business protected.

Stay compliant and protected today!

A single accident or cargo claim can put your business at risk. With trucking insurance, you stay protected from liability, vehicle damage, and regulatory fines. Call us today to get a free quote and secure trucking insurance in Napa, Solano, and Sonoma.

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