California businesses that operate commercial trucks are exposed to substantial risks, ranging from cargo loss to multi-vehicle accident claims. Commercial trucking insurance can help protect these businesses from many of the vehicle-related risks they face.

Commercial trucking insurance is specialized vehicle insurance for commercially registered trucks. While these policies are similar to other vehicle policies at many points, they often come with higher limits and more optional coverages.

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Most businesses that have commercially registered trucks in California ought to carry commercial truck insurance. State law generally requires trucks that are driven on public roads to be insured, and this tends to be the best type of insurance for trucks.

Of course, a wide range of businesses have commercially registered trucks. The following are only some examples of businesses that may want commercial truck insurance:

• Long-haul and regional freight businesses

• Local and last-mile delivery businesses

• Long-distance and local moving businesses

• Heavy equipment distributors and servicers

• Recycling and waste management businesses

• Contractors with commercial box trucks or pickups

There are still many more businesses that might benefit from the insurance. If there’s any question about policy type, an insurance agent who specializes in these policies can help businesses determine whether commercial truck insurance is right for them.