COMERCIAL TRUCK INSURANCE
Comprehensive Protection for Your Trucking Business
Your truck isn’t just a vehicle — it’s your livelihood. Every mile you drive represents your hard work, investment, and future. At Lucilas Truck Insurance in Bellflower, California, we understand the unique risks you face on and off the road. That’s why we specialize in commercial truck insurance tailored specifically for owner-operators, small fleets, and independent trucking companies.
Whether you haul freight locally or across state lines, our team helps you stay protected, compliant, and confident — every day, every route.
Why You Need Commercial Truck Insurance
Commercial trucking involves more than just driving; it’s about managing risk, contracts, and regulations. Without the right coverage, one accident or claim could threaten your entire business.
With Lucilas Truck Insurance, you’ll receive protection that covers:
- Property Damage & Bodily Injury
- Cargo Loss or Damage
- Vehicle Repairs or Replacement
- Accidents During Non-Dispatch Hours
- Liability Claims
- Theft, Vandalism, and Natural Disasters
Our goal is simple — to help you operate safely, stay compliant with DOT and FMCSA, and protect your bottom line.
Our Coverage Options
Primary Liability Insurance
Required by federal and state law, this coverage protects other people and property if your truck is involved in an accident. It’s the foundation of every trucking policy.
- Required by the Federal Motor Carrier Safety Administration (FMCSA)
- Minimums vary by weight and cargo — we’ll help you meet the exact legal limits
Motor Truck Cargo Insurance
Your cargo is your business. This coverage protects the goods you haul against fire, theft, collision, or damage during transit.
Whether you’re carrying consumer products, raw materials, or specialty freight, we’ll design a policy that meets contract and client requirements.
- Tip: Many brokers require proof of cargo coverage before awarding loads.
Physical Damage Insurance
Accidents happen — even to the best drivers. Physical Damage pays for repairs or replacement to your truck and trailer due to collision, fire, theft, or vandalism.
Includes:
- Collision Coverage – Damage from accidents
- Comprehensive Coverage – Damage from theft, fire, or weather
- Optional add-ons: rental reimbursement, gap coverage, and downtime protection
General Liability Insurance
This coverage protects your business operations — for example, if someone is injured on your property, or if damage occurs while loading or unloading cargo.
- Essential for trucking companies with offices, yards, or employees
Bobtail / Non-Trucking Liability
When you’re driving your truck without a trailer or not under dispatch, this coverage protects you.
Perfect for owner-operators leased to motor carriers.
- Peace of mind, even when you’re off the clock
Trailer Interchange Insurance
If you pull trailers you don’t own, this policy covers damage to non-owned trailers under a trailer interchange agreement.
- Required by many freight contracts
Excess Liability / Umbrella Coverage
Add extra protection beyond your primary limits. A single serious accident can exceed standard coverage — umbrella policies help safeguard your assets.
Workers’ Compensation & Occupational Accident
If you employ drivers or contractors, these coverages protect your team from on-the-job injuries and medical expenses.
Partnering with A+ Rated Carriers
We work with top-rated insurance companies known for financial strength and claims service, including:
- Progressive Commercial – Leading carrier with flexible plans and 24/7 claims
- Kemper – Trusted coverage for diverse trucking operations
- Southlake Specialty – Focused on motor carriers and owner-operators
- Lancer Insurance – Decades of trucking expertise
- Security National – A+ rated coverage designed for commercial fleets
- Hyundai Marine & Fire, Canal, Lloyd’s of London, and more
These partnerships allow us to compare multiple quotes and deliver the best combination of price, protection, and service.
💰 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. 💰
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