We work for you, not the insurance companies.
An independent broker shopping multiple carriers for the right coverage for your fleet, then supporting you with safety-program and telematics guidance, claims advocacy, and annual program reviews. Enterprise risk management included.
Response typically within one business day. No obligation · CA License #6008364
California trucking fleets need commercial auto liability (minimum $750K, often $1M+ for broker/shipper contracts), physical damage on tractors and trailers, motor truck cargo coverage, and workers' comp for any employees. FMCSA requires proof of financial responsibility before operating interstate. Rates depend on driver records, commodity, radius, and loss history.
Midmarket fleets with a safety culture.
Midmarket California trucking fleets that need sophisticated risk management and access to multiple insurance carriers: dry van, reefer, flatbed, and general freight.
A good fit
- California-based trucking operations
- Dry van, reefer, flatbed, specialized freight
- Regional and long-haul operations
- Growth-focused with safety culture
What you get
- Driver training resources: safety courses and certification
- Safety consulting and CSA score improvement strategies
- Dedicated claims advocacy, from first call through resolution
- Loss prevention and compliance support: FMCSA, DOT, and state regulations
Broker-level attention on the areas that actually move fleet premiums, without a service-center hand-off.
The full fleet program, brokered.
Comprehensive trucking insurance programs tailored to your fleet's operations, brokered across multiple carriers for competitive terms.
Auto liability
Primary and excess auto liability, required by FMCSA and most broker/shipper contracts. Covers bodily injury and property damage from trucking operations. We market to multiple carriers based on your safety record, driver experience, and radius of operations.
Physical damage
Protects tractors, trailers, and equipment against collision, comprehensive (fire, theft, vandalism), and specified perils. Critical for protecting your fleet investment and meeting lender requirements.
Motor truck cargo
Covers goods in transit against damage, loss, or theft, including loading and unloading operations. Required by most brokers and shippers, with options for temperature-sensitive freight, reefer breakdown, high-value cargo, and specialized commodities.
Workers' comp & occupational accident
Workers' compensation for company drivers, required by law, and occupational accident policies for owner-operators and independent contractors. Covers medical expenses, lost wages, disability, and death benefits.
General liability
Third-party bodily injury and property damage at terminals, warehouses, and other facilities: slip-and-fall accidents, loading dock incidents, and premises liability. Separate from auto liability, covering non-trucking operations and fixed locations.
Non-trucking & excess liability
Non-trucking liability (bobtail) covers owner-operators when not under dispatch. Excess liability layers add capacity above primary policies to protect against catastrophic losses.
Glacier Point Insurance is an independent broker. Availability subject to carrier underwriting and state regulations.
Placement is the start, not the finish.
A comprehensive partnership approach that combines competitive insurance placement with ongoing risk management support.
Discovery & assessment
We review your current coverage and identify gaps, analyze your loss history and risk profile, and take time to understand your operations and growth plans.
Program design
Coverage customized to your operations, marketed to multiple carriers on your behalf, with access to our risk management resources built in from the start.
Ongoing support
Claims advocacy and dispute resolution, safety program and telematics guidance, and annual reviews to keep the program optimized as the fleet grows.
What we need to get started.
Complete documentation helps us market your account to multiple carriers and present the strongest possible submission.
Fleet information
- Equipment schedule with VINs, year/make/model, and stated values
- USDOT number and MC authority
- Radius of operations and commodity types
Driver information
- Driver roster with names, DOB, hire dates, and CDL experience
- MVRs (Motor Vehicle Records) for all drivers
Loss history
- 5 years loss runs from current carrier
- Claims detail: dates, descriptions, paid/reserved amounts
- If new venture: no-prior letter
Operational documents
- IFTA/IRP reports, last four quarters
- Safety programs and maintenance schedules
- Optional: telematics data or dash-cam documentation
Don't have everything ready? No problem. We can start the process with what you have and guide you through gathering the remaining documents. The more complete the submission, the better terms we can negotiate on your behalf.
Trucking insurance FAQs.
What makes this different from transactional insurance?
You work directly with the broker who structures your program, not a service center. That means underwriter advocacy at placement, guidance on telematics and safety programs that carriers actually credit, and a broker who stays involved when you have a claim.
What size fleets do you work with?
Small and mid-size fleets: operations that need real attention on coverage structure and risk management but don't have an in-house insurance department. Whether you're expanding or optimizing, we structure the program around how you actually operate.
How does claims advocacy work?
Your broker stays involved from first notice: helping you report the claim properly, coordinating with the carrier, and pushing for fair treatment through resolution. You have direct access to the person who placed your coverage, not just a call center.
Do I pay extra for risk management services?
No. Guidance on safety programs, telematics, and coverage structure, plus claims involvement, is part of how we work as your broker, not a separate fee. We're compensated through standard commission on the policies we place.
Let's talk about your fleet.
No service-center hand-off. Your account is handled by the licensed broker who placed it. And once you're a client, certificates of insurance turn around same day or next business day.
Helpful to have on hand: equipment schedule, driver roster, and loss runs.
Last updated: July 17, 2026