Primary Liability Insurance for CA box truck owner-operators.
Pays for bodily injury and property damage you cause to others while operating under your authority.
Rate band pending
We have not yet extracted a public California Department of Insurance filing for primary liability on box truck operators in California. The carriers writing the line are listed below; the band will publish here once a filing is reviewed.
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Carriers writing in CA
5 carriers we expect to quote this risk in California.
AM Best ratings shown below were verified directly. Whether a specific carrier currently has open appetite for your operation is the producer's call at submission.
Progressive Commercial
The Progressive Corporation
Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused.
A+ (Superior)Northland Insurance
Travelers Companies
Travelers' commercial trucking specialty unit.
A++ (Superior)Sentry Insurance
Sentry Insurance Group
Mutual carrier with deep trucking specialization; favors larger fleets and established carriers.
A+ (Superior)Berkshire Hathaway GUARD
Berkshire Hathaway Inc.
Multi-line carrier; trucking is one segment. Strong financial backing.
A++ (Superior)Acuity
Acuity Mutual
Mutual carrier with growing trucking footprint; midwest-anchored, expanding nationally.
A+ (Superior)AM Best ratings change. Dispatched displays the rating only when verified against ambest.com and stamped with the verification date in our data layer. Pending entries reflect that we have not completed verification — not that the carrier's rating is missing or weak.
Editorial
Primary liability for box truck operators in California
Box truck operations in California (Class 3-6 straight trucks with enclosed cargo bodies, 10,001-26,000 lbs GVWR) sit in a distinctive segment of the California commercial-auto market. Most box truck operations are local-delivery, last-mile, household goods, and small-package routes — concentrated in metro Los Angeles, the Bay Area, San Diego, and the Sacramento corridor. Average radius is shorter, average VMT per power unit is lower, and severity per collision is materially lower than Class 8 long-haul.
California's two distinctive primary-liability dynamics — the absence of caps on non-economic damages outside MICRA, and AB 5 contractor classification effects — apply to box truck operations the same as Class 8. Box truck operators leased onto motor carriers under contractor arrangements face the same AB 5 / FAAAA-preemption complexity, and the underwriting requirement for clear lease documentation applies across DOT classes.
Collision frequency in metro California is elevated for box truck risks due to high traffic density and frequent stop-and-go routing. Severity is materially lower than Class 8 because box truck combinations are physically smaller and operate at lower average speeds. The rate per dollar of revenue on California box truck risks is typically lower than for Class 8, but venue exposure in LA and Bay Area courts continues to feed into the rate.
We have not yet extracted a public California Department of Insurance filing for primary liability on box truck risks. The rate band on this page will publish once the filing has been extracted and reviewed by a California-licensed producer.
Dispatched is a comparison and matching platform. In California, coverage is placed by licensed producers and bound by carriers appointed in CA; Dispatched does not bind coverage. Where we accept your contact information for a quote, that consent will be one-to-one with the named producer partner identified at submission.