Stockton runs on trucking — your insurance should understand that
If you haul out of the Port of Stockton, run reefer down I-5, move ag freight on Highway 99, or stage at the Tracy and Lathrop distribution centers, your operation isn’t “general commercial auto.” It’s trucking — and the coverages, the filings, and the carriers that write it are different. Insurance City is an independent brokerage based right here on W Robinhood Dr in Stockton, and commercial trucking is a line we know cold.
Coverage built around how you actually run
Whether you’re a single owner-operator leased to a motor carrier or a small fleet running your own authority, the policy has to match the work:
- Primary & auto liability — the coverage your authority and filings require (FMCSA and the California DMV motor carrier permit).
- Motor truck cargo — protects the freight you haul, with refrigeration-breakdown options that fit reefer, produce, and dry van.
- Physical damage (collision & comprehensive) — for the tractor and trailer that are your livelihood.
- Non-trucking liability / bobtail — for when you’re driving without a dispatched load.
- Trailer interchange — when you pull trailers you don’t own under an interchange agreement.
- Workers’ compensation — for fleets with employee drivers (required in California).
We also handle the paperwork most owner-operators dread — the MCS-90 endorsement, the certificates and filings carriers ask for, and adding or swapping units mid-term as your operation changes.
Why owner-operators and small fleets work with us
We’re independent, so we shop your operation across major commercial carriers instead of forcing it into one company’s box — and there are no broker fees on standard policies. Our team is bilingual (English / Español), local, and used to the realities of Central Valley freight: ag-season swings, mixed personal and commercial use, and owner-operators building their first authority. You talk to a real agent who explains the exclusions before you sign, not after a claim.
Get a commercial trucking quote
Tell us what you run and how you run it, and we’ll put together comparative quotes so you can see your real options on price and coverage. Call (209) 670-1556 or request a quote below.
Insurance City offers comparative quotes on Commercial Trucking Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you Just request a quote to find out.