OWNER OPERATOR / FLEET INSURANCE
Protecting the Drivers Who Keep America Moving
At Lucilas Truck Insurance, we specialize in helping owner-operators and small fleet owners get the reliable, affordable insurance they need to stay on the road with confidence. Whether you run a single truck or manage a fleet of 5–20 vehicles, your business faces unique risks — from highway accidents and cargo loss to compliance requirements and downtime.
Our mission is to protect your trucks, your team, and your livelihood with custom coverage designed for your operations.
Located in Bellflower, California, we proudly serve Los Angeles County, Orange County, and beyond — offering local service with access to national A+ rated carriers.
What Is Owner-Operator & Fleet Insurance?
Owner-Operator Insurance is specialized protection for independent drivers who own and operate their own rigs.
Fleet Insurance is for small or growing trucking companies with multiple vehicles, drivers, and contracts.
Both require coverage that meets state and federal requirements, protects against liability, and covers physical assets like trucks and trailers. Our team helps you select the right mix of coverages, so you’re never underinsured or overpaying.
Key Coverages for Owner-Operators & Fleets
Primary Liability
Mandatory for all commercial trucks. Covers bodily injury and property damage caused to others in an accident.
- Meets FMCSA and California DOT requirements.
- Required for all for-hire carriers and interstate operations.
Physical Damage
Pays to repair or replace your trucks and trailers if they’re damaged by collision, fire, theft, vandalism, or weather.
- Protects your equipment investment — new or financed rigs included.
Motor Truck Cargo
Covers the value of freight you haul against loss or damage. Essential for contract loads and broker agreements.
- Protects against theft, fire, accident, or load spills.
Bobtail & Non-Trucking Liability
Provides coverage when your truck is being used off dispatch or without a trailer.
Owner-operators leased to carriers often need this coverage.
- Covers personal use miles or deadhead trips.
General Liability
Protects your business operations, including injuries or property damage that occur outside driving (e.g., loading docks, offices, or customer sites).
Trailer Interchange
Covers trailers you don’t own but are hauling under a trailer interchange agreement.
Required by many freight brokers and contracts.
Workers’ Compensation / Occupational Accident
Covers medical bills, lost wages, and disability if you or your drivers are injured on the job.
A must for small fleets with employees.
Excess Liability (Umbrella Policy)
Adds an extra layer of protection beyond your primary limits. Recommended for fleets with high-value contracts or multiple vehicles.
💰 Save More with Discounts💰
Lucilas Truck Insurance helps you maximize savings with every policy. Ask about:
- Safe Driver Discounts
- Multi-Car Discounts
- Bundling Auto + Commercial Truck Insurance
- Paid-in-Full Savings
- Good Student Discounts
- Defensive Driving Course Credits
💰Many clients save up to 20% by bundling personal and business policies. 💰
Benefits of Working with Lucilas Truck Insurance
✅ Specialized for Truckers
We focus exclusively on trucking and transportation, so we understand your risks, contracts, and compliance needs better than general agents.
✅ Multiple Carriers
We work with Progressive, Kemper, Lancer, Southlake Specialty, and more to find the best rates and terms.
✅ Flexible Payment Plans
Get monthly, quarterly, or annual payment options to fit your cash flow.
✅ Local Support
Meet with real agents at our Bellflower office who speak your language and understand California trucking laws.
✅ Fast Certificates
Need proof of insurance for a load? We deliver same-day COIs so you never miss a contract.
✅ Claims Advocacy
We don’t disappear after you buy a policy — we help file claims, negotiate settlements, and keep your business running.
We love meeting our clients in person! Stop by our office in Bellflower or give us a call anytime during business hours.
Lucilas Truck Insurance
Phone: (562) 222-4479
Email:info@lucilastruckinsurance.com
Address: 14345 Clark Ave. Bellflower, CA 90706
Business Hours:
Monday – Friday: 9:00 AM – 6:00 PM
Saturday: By Appointment
Sunday: Closed