Physical Damage

Repairs or replaces your own truck and trailer.

Not sure if this is the right fit? We'll review your operation and quote it — no obligation.

Physical damage covers your equipment — collision, overturn, fire, theft, and vandalism — whether or not anyone else was at fault. Lenders and lessors typically require it, and downtime coverage can keep revenue moving while the unit is in the shop.

What it covers

Collision and overturn damage
Comprehensive perils including fire, theft, and vandalism
Trailers and permanently attached equipment
Towing, recovery, and downtime coverage, when added

Who it's for

Owner-operators and fleets financing, leasing, or simply unable to replace a unit out of pocket.

Good questions to ask us

“Stated value or actual cash value — which is better for me?”
“Is downtime or rental reimbursement available?”
“What deductible actually lowers my premium?”

Businesses like yours also carry

Trucking Insurance

One program for the truck, the load, and the liability.

Truck Liability

The required limits that let you run legally.

Motor Truck Cargo

Covers the freight you're hauling for someone else.

Workers' Compensation

Required in California from your very first employee.

Tell us a little about your operation and we'll come back with options — no obligation.

Get a Quote Online!

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Or call for immediate assistance.

831-540-4583