TSM Insurance
Transportation & Trucking Insurance
The transportation and trucking industry keeps California moving. From long-haul truckers hauling freight across state lines to local delivery fleets and logistics companies managing complex supply chains, this sector is vital to businesses and communities alike. But with the rewards of moving goods also come risks: accidents, cargo losses, compliance requirements, and liability exposures.
At TSM Insurance, we’ve been helping businesses protect what matters most for over 100 years. Our Transportation & Trucking Insurance programs are designed for logistics companies, delivery operations, and independent truckers across Modesto, Redding, and the greater Central Valley. We deliver the protection you need to keep your trucks on the road, your drivers safe, and your business running smoothly.
Insurance Solutions for Transportation Professionals
Operating in the transportation industry is complex. You’re dealing with tight schedules, costly equipment, fluctuating fuel prices, and safety regulations. The last thing you want is an unexpected accident or claim to put your business at risk. That’s why we offer specialized insurance solutions tailored specifically for trucking and logistics businesses.
Our policies cover everything from liability when your trucks are involved in accidents to physical damage coverage for vehicles, cargo protection, and workers’ compensation for drivers and staff. Whether you operate one truck or an entire fleet, TSM Insurance has the experience, carrier relationships, and local knowledge to protect your business.
Who We Cover
We work with a wide range of businesses and professionals in the transportation industry
Logistics
Logistics companies face risks at every point in the supply chain—from warehouse operations to over-the-road delivery. We provide coverage that addresses liability for cargo damage, employee injuries, and accidents involving your fleet. With the right insurance, your logistics business can remain compliant, competitive, and financially protected.
Delivery Fleets
With the rise of e-commerce, delivery fleets are busier than ever. Whether you manage a fleet of vans serving Modesto neighborhoods or a regional delivery operation, we cover vehicle accidents, driver injuries, and cargo risks. Delivery businesses benefit from commercial auto, general liability, and cargo coverage tailored to their operations.
Independent Truckers
Owner-operators and small trucking businesses are the backbone of California’s freight system. But without the backing of a large company, you carry more personal risk. We offer customized trucking insurance packages that include liability, physical damage, and cargo protection—ensuring independent truckers stay on the road and in business.
Why Choose TSM Insurance for Transportation Coverage?
Not all insurance agencies understand the transportation sector. At TSM Insurance, we’ve worked with trucking and logistics businesses for decades, giving us an edge when it comes to designing coverage that truly protects you. Here’s why our clients trust us:
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Fast Certificates of Insurance (COIs): Get proof of insurance the same day so you don’t lose freight opportunities.
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Access to Top Carriers: We work with multiple national and regional insurance companies to find you the best coverage and pricing.
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Claims Advocacy: When accidents happen, our team helps manage the claims process and ensures your business is treated fairly.
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Local Knowledge, Broad Reach: With offices in Modesto and Redding, we understand California’s strict transportation regulations while serving clients statewide.
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Tailored Policies: From a single independent trucker to a large logistics operation, we customize coverage to your specific risks.
Coverage Options Available
At TSM Insurance, we provide trucking and transportation businesses with the essential coverages needed to stay compliant, protect assets, and keep operations running:
Commercial Auto Insurance
Protects your vehicles, drivers, and business in case of accidents on the road.
General Liability Insurance
Covers accidents and third-party claims not directly related to vehicle operation, such as customer injuries or property damage.
Workers’ Compensation
Required in California for businesses with employees. Provides wage replacement and medical coverage if a driver or worker is injured on the job.
Cargo Insurance
Safeguards the freight you haul against theft, damage, or loss while in transit.
Physical Damage Coverage
Covers your trucks against collision, theft, vandalism, or weather-related damage.
Motor Truck General Liability
Specialized liability protection for trucking businesses, addressing risks unique to the industry.
Benefits of Specialized Transportation Insurance
Insurance for trucking and transportation isn’t just about compliance—it’s about keeping your business strong and competitive. With the right coverage, you can:
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Stay Compliant: Meet California and federal requirements for commercial trucking operations.
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Protect Your Assets: Safeguard trucks, trailers, and cargo from damage or theft.
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Reduce Financial Risk: Avoid paying out-of-pocket for costly accidents, lawsuits, or injuries.
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Maintain Client Confidence: Shippers prefer carriers with reliable insurance coverage.
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Keep Operations Running: Insurance ensures that one accident doesn’t bring your entire business to a halt.
Get Started
Get a Quote Today
Don’t leave your transportation business unprotected. At TSM Insurance, we make it easy to get the right coverage fast. Whether you’re a logistics manager in Modesto, a delivery fleet operator in Redding, or an independent trucker hauling freight across California, we’re here to help.
Request a free quote today and let our team build a policy that fits your business. With TSM Insurance, you’ll have the coverage, support, and confidence to keep moving forward.
FAQs
Frequently Asked Questions
TSM Insurance FAQs provide helpful answers to common questions about our insurance policies, coverage options, claims process, and policy management, ensuring customers have clear and quick access to essential information.
Is trucking insurance required in California?
Yes. All commercial trucks must carry liability insurance that meets state and federal minimums.
How much does trucking insurance cost?
Premiums depend on your driving record, number of vehicles, type of cargo, and coverage limits. Independent truckers may pay less than large fleets, but costs vary widely.
Do I need cargo insurance?
Most shippers and brokers require proof of cargo coverage before you can haul freight.
Can TSM Insurance help with filings like ICC, MCP, or DOT?
Yes. We assist with required filings so your business remains compliant with regulatory authorities.
What’s the difference between commercial auto and trucking insurance?
Trucking insurance includes specialized coverages like cargo and motor truck general liability, while commercial auto covers basic vehicle use.
Do delivery fleets need workers’ compensation?
Yes, if you have employees. Workers’ comp covers driver injuries and ensures compliance with California law.
Can you insure long-haul operations outside California?
Yes. We can arrange coverage for interstate trucking businesses operating across the U.S.
What happens if my truck is stolen?
Physical damage coverage reimburses you for theft or vandalism losses.
Do independent contractors need workers’ comp?
If you have employees, yes. If you’re truly an owner-operator, we’ll help structure coverage to meet your needs.
How fast can I get proof of insurance?
We provide same-day certificates of insurance (COIs) so you can start hauling loads immediately.
Happy Customers
What Our Clients Say
Being an independent trucker, I need insurance I can rely on. TSM Insurance made the process easy, and I got coverage that fits my needs without breaking the bank.
Tony H., Modesto, CA
Our delivery fleet had an accident last year. TSM Insurance guided us through the claim quickly and professionally. We were back on the road with minimal downtime.
Carla M., Redding, CA
TSM understands the trucking industry. They helped us get the right coverage for our logistics company and made sure we weren’t overpaying for what we don’t need.
Daniel F., Stockton, CA