Downey Trucking Insurance

Are you a business on the road? Does your company rely on different vehicles to keep the wheels turning? If you own two or more vehicles, anything from cars, utility vans, trucks, taxis, semi-trailers, and everything in between, you’ll understand the challenges of keeping your entire fleet protected from accidents, theft, and malicious damage. Not all fleet insurance policies cover all vehicles, meaning sometimes you’re left with vehicles scattered over several different p...olicies. Not only is this confusing, but you’re also missing out on the significant discounts available by not insuring your entire fleet under the one policy. A Fleet Insurance Policy protects businesses that own and operate two or more vehicles in their fleet. Insurance companies vary in their definition of a fleet; some offer mini or small fleet policies that cover as low as two vehicles while others insist on a minimum of five vehicles to make up a fleet. As a general rule, fleet discounts kick in from three vehicles and up. Coverage in fleet insurance policies can also vary, with a basic third-party cover that protects the other party in an accident all the way to fully comprehensive which protects against accident, fire, theft, and damage to both your vehicles and drivers. Mini fleet insurance or small fleet insurance is the perfect vehicle cover for small businesses that operate two or more vehicles and want a comprehensive insurance policy that is cheaper than insuring each vehicle separately. One invoice, one renewal date, less hassle. Hi, We’re Carmar Insurance and we’re specialists in Mini Fleet, Small Fleet, and Commercial Fleet Insurance for small to medium-sized businesses. But we’re not your typical insurance agency. We focus on you and what your business needs. If our own services don’t fit your business’ needs or budget, we’ll gladly recommend products from a huge range of other providers to keep you covered. It keeps us competitive, honest, and driven by our customer’s satisfaction. Besides fleet insurance and auto insurance, Carmar Insurance offers a suite of products from loss prevention consultancy to niche insurance products for almost every industry! If your insurance premiums are too expensive or you’re paying for coverage you don’t need, contact Carmar Insurance Agency on 562-803-4000, or visit our website at www.carmar.net See more

Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), the coverage pays for the cost to remove debris or extract pollutants caused by the debris. Carriers will pay for costs related to preventing further loss t...o damaged cargo (Sue and Labor Coverage), legal expenses in the defense or settlement of Claims’ and even freight charges the customer loses because of not delivering a load (Earned Freight Coverage). Who needs motor truck cargo insurance? A growing number of risk managers require truckers to insure their cargo. You can meet that requirement with Carmar insurance Agency Cargo Insurance. It pays when you are responsible for damage to or loss of the cargo due to fire, collision, or even hitting or running over the cargo that you transport on behalf of a client. Limits, deductibles, and other details When you select Motor Truck Cargo insurance, you have to select a limit for your coverage. This limit determines the maximum amount your insurance company will pay for damaged or destroyed cargo. You also need to choose a deductible. A deductible is an amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance but be sure you choose a deductible that you can afford to pay out of pocket at any time. See what you could save Get a quote online at www.carmar.net or call us at 1-562-803-4000 to see how much you could save on Motor Truck Cargo insurance from Carmar Insurance Agency. Exceptions and restrictions Apply Motor Truck Cargo insurance is only available for for-hire trucking risks on policies with one or more of the following body types: dump truck, tractor, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds, and car haulers. Motor Truck Cargo insurance is not available on garbage trucks, limos, hearses, buses, passenger vans, or ice cream trucks. (other exclusions may apply) See more

Owner-operators need special truck insurance products and services whether they're operating under permanent lease to a motor carrier or under their own authority. We understand the difference and can help you choose the best trucking insurance coverages to match your business and protect your livelihood. Owner-operators under permanent lease to a motor carrier It's common for a motor carrier to provide primary liability insurance coverage while you're working for them under ...the permanent lease. This typically covers injuries or damage to other people or property if you're found responsible for an accident. Depending on your business, you might need additional owner operator truck insurance coverages, including: Non-Trucking Liability - Protection for when you're using your vehicle for personal use and not under dispatch. Physical Damage coverage - Covers the cost of fixing or replacing your truck if it's involved in an accident or stolen. Trailer Interchange - Physical damage coverage for non-owned trailers being pulled under a trailer interchange agreement. While some motor carriers offer these specialized types of trucking insurance, you can often get a better deal by buying them yourself. This allows you to customize your owner operator insurance policy by fine-tuning the exact types and amounts of coverage. Owner-operators with their own authority If you're working under your own authority, you'll need to carry your own commercial truck insurance coverages, including: Liability - Pays for damages that you cause to other people and their property. It normally includes Bodily Injury Liability and Property Damage coverages. Physical Damage - Pays for repairs to your truck if it's damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch. Motor Truck Cargo Coverage for loss or damage to the load you're hauling. Motor Truck General Liability Pays for injuries or property damage you cause because of business activities not directly related to using your truck. This isn't an all-inclusive list. The FMCSA and certain contracts likely have specific owner operator insurance requirements you'll need to meet before you can start working. Make sure you've got the proper coverages in place before hitting the road. Owner operator insurance cost Several factors influence the cost of owner operator truck insurance, including: Business type Vehicle Location Coverage needs Driving history Operating radius Learn more on how these and other factors specifically affect your owner operator insurance cost. Owner operator truck insurance for short and long-haul truckers You can quote online at www.carmar.net call us at 1-877-484-2963 to see how much you could save with owner operator trucking insurance from Carmar Insurance Agency. See more

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