Drive for a living? We can get your wheels covered.

We have unique access to some of the best commercial vehicle rates in all California. No radius or unit count restrictions. New ventures welcome!

Does it have wheels? We want to see it.
Here are some sample types of vehicles we insure.


• Ag Haulers
• Car Carriers
• Caterers
• Cement Mixers
• Concrete Pumpers
• Contractors
• Couriers
• Custom Harvesters
• Dumping Operations
• Farm to Market
• Farmers
• Food Delivery
• Fuel Haulers
• Fuel Oil Haulers
• Grain Haulers
• House Movers
• Lawn & Tree Service
• Logging
•LPG, Butane & Propane Haulers
• Mobile Concessions
• Mobile Equipment
• Mobile Home Toters
• Moving Operations (no ICC filings)
• Pulpwood Haulers
• Salvage Haulers
• Specialized Delivery
• Snow Plows
• Tow Trucks
• Truckers Contingent Liability (Bobtail or Deadhead)
• Trucking
• Waste Oil Haulers
• Wholesalers & Manufacturers

Trucking Notes & Features
A broad cargo endorsement with multiple limits is available. A combined deductible is available. All risks with a principal garaging location in California falling into our Trucking for Hire class will be underwritten by a Berkshire Hathaway-owned agency, Pacific Gateway Insurance Agency.


• 4 Wheel Drive Tours
• Airport Shuttles
• Athlete Buses
• Bingo/Casino Transportation
• Charter Buses
• Church Buses
• Courtesy Autos
• Day Care Center Autos
• Dial-A-Ride
• Employee Transport
• Group Home Autos
• Head Start Program Autos
• Hotel Shuttles
• Kiddie Transport
• Limousines (All Types)
• Medical Courtesy Autos
• Metropolitan Buses
• Musician Buses
• Non-Emergency Medical Transportation
• Party Buses
• School Buses (Private or Public Owned)
• Senior Citizen Center Autos
• Sightseeing Buses
• Social Service Agencies
• Taxis
• Trolley Buses
• Visiting Nurses
• Wilderness Expeditions


• Bloodmobiles
• Driver Training Autos
• Emergency Ambulances
• Escort Vehicles for Oversized Trucking/Pilot Cars
• Fire Department Vehicles
• Funeral Vehicles
• Law Enforcement Vehicles
• Rental Operations
• Rescue Squads

Get in touch with Kevin for a quote if you drive any of the above!

Usage Based Insurance for Fleets

“Why do my auto rates keep going up, even though NONE of my employees got in any accidents last year?”

That’s because you’re paying for other companies bad drivers.  We want to change that, to make it more fair.

Here at were working with a carrier and a tech start-up to create a usage based insurance (UBI) program for livery, public auto, fleets, and trucking.  [we can currently write policies for any car based gig economy app]. Instead of the standard, high rate, low coverage commercial auto policy, the business owner will get weekly driver safety reports, comparisons across similar fleets, a monthly audited insurance bill based on mileage and safety, and identification of problem drivers.  

You’ve heard of BIG DATA.  We want to use Big Data as a loss CONTROL tool, making insurance an interactive part of your business, instead of a financial arrangement dictated by too many opaque rules.

A UBI insurance system is fair.  A few years back, a contractor’s employee was driving with his knees, while eating and texting.  Losing control of the van, he hit two parked cars to his right, crossed both lanes of traffic, and hit a third parked car across the street.  That third struck car, bumped the curb, and struck a pedestrian. $2,500,000 claim, BOOM. This accident nearly destroyed the contractor’s company, and he was forced to fire multiple employees, and shrink operations, to survive the financial hit.

For fun math’s sake:  If that contractor paid $25,000 per year for his commercial auto policy, only after a 100 years would the insurance company recover that loss.  This was a preventable accident, not some fluke. Insurance should cover the unpreventable, unforeseen event. Insurance should not be used to cover stupidity.  Especially, on the backs of good safe companies.

From whom did you think they actually got that money from?  Is that fair?

Putting the business owner in control of the company safety, in a proactive, behavioral and cultural manner, will not only save that business insurance costs, but also create efficiencies and lower maintenance costs.  Imagine the boost to the bottom line!

Check back here from time to time, as we’ll update you to our progress