Learn more about California's new minimum auto insurance requirements.
Truckers and fleet owners are the backbone of America’s economy, and their rigs represent more than just vehicles - they’re livelihoods. At AIS, we specialize in commercial truck insurance built for local, regional, and long-haul operations. Whether you own a single truck or manage a large fleet, having the right coverage keeps your business in compliance with FMCSA and state regulations, and protects your assets from accidents, theft, and cargo loss.
Our experts simplify the insurance process, searching top-rated carriers to find coverage tailored to your unique needs. Instead of shopping around yourself, we compare multiple quotes for you to secure the best rates without sacrificing the protection you deserve.
Standard commercial auto insurance often falls short of covering the unique, high-stakes risks truckers encounter daily. We provide specialized coverage tailored to your operations, ensuring one unforeseen accident never results in devastating financial setbacks, cargo claims, or the permanent loss of your vital operating authority.
Trucking insurance rates depend on many factors, like your type of vehicle, driving range, and location. Because all fleets are different, we work to find coverage that fits your actual operations. Not sure what you need? Our team will guide you and recommend cost-effective solutions that fit your business.
Commercial trucking insurance is not just one policy - it’s a combination of coverages that protect your truck, your cargo, and your business. Here are important coverage options:
Covers injuries, property damage, and even pain and suffering if you’re involved in an accident. The limits on this coverage can be as high as $2 million in some cases.
Collision coverage may pay for damages as a result of impact with another vehicle, object, or person outside the vehicle, and the upset (overturning) of such vehicle. This coverage is often subject to a deductible.
Comprehensive coverage may pay for direct and accidental damage to the insured's automobile not caused by a collision. For example, damage caused by vandalism or theft. This coverage is usually subject to a deductible.
This coverage can cover liability for a third party’s property, consisting of cargo hauled or transported by the trucker (common carrier or contract carrier).
Even if you are the safest driver on the road, you can’t control others. This critical coverage protects you and your passengers if you are hit by a driver who either has no insurance or doesn't have enough to cover your medical expenses. It acts as a final safety net to ensure your medical bills are paid even when the at-fault driver can’t afford them.
Most commercial policies only cover you while you are "on the clock" or under dispatch. This coverage fills the gap for the times you use your truck for personal reasons, such as driving home or running an errand. It ensures you have continuous liability protection, even when you aren't officially working.
When your truck is in the shop after a covered accident, your income usually stops. This coverage helps pay for a rental vehicle so you can keep your deliveries on schedule. If a suitable rental truck isn’t available, "Downtime" protection can actually reimburse you for the money you're losing every day your truck is out of commission, helping you pay your bills until you’re back behind the wheel.
If your business involves pulling trailers that belong to other companies, you are often responsible for any damage that happens to them while they are attached to your truck. These coverages protect you against the cost of repairing or replacing trailers you don't own, which is a standard requirement for many sub-contractors and power-only haulers.
No matter what kind of trucks keep your business on the move, we can find the right insurance for your needs. Here are just some of the vehicles we specialize in:
Your business is a major investment, and it deserves more than a standard, one-size-fits-all liability policy. At AIS Insurance, our experienced Business Insurance Specialists are driven by one goal: protecting your hard work and assets. We work quickly to understand the specific risks of your industry, allowing us to help you identify gaps in coverage that may leave your business vulnerable, ensuring you get true financial peace of mind.
Stop settling for confusing policies. We make commercial insurance clear, fast, and highly effective. Call us today to speak with our agents who are ready to tailor a Commercial Truck Insurance policy to your needs.
It would be great if you could save money on insuring your business and all of its assets under one roof. AIS is the insurance house that finds affordable coverage for a wide variety of businesses. We compare the best rates from multiple trusted carriers partners, so you know you’re getting the best protection for the best price.
Your most valuable assets are most vulnerable when they’re moving. Inland Marine covers specialized property while on the move, protecting you from the unique risks of the open road.
Building or expanding your business fleet is a big move. Learn how to choose the right fleet vehicle to boost efficiency, lower costs, and meet your customers' demands.
