Transportation Insurance
Commercial truck insurance built for the West Coast.
From a single owner-operator to a multi-unit fleet, Focus West places trucking liability, cargo, physical damage, and the filings that keep you legal and rolling. Independent, carrier-neutral, and built around how your operation actually runs.
Serving the West Coast — California, Oregon, Washington, Nevada, Idaho, Utah, Arizona & Hawaii — from our San Diego home base.
Coverage
Every line a fleet needs, under one broker.
We market your account to the carriers and programs built for trucking — so you get the right coverage at the right price, not whatever one company happens to sell.
Trucking Liability
Primary auto liability for bodily injury and property damage — the core coverage every for-hire and private carrier needs.
Motor Truck Cargo
Protection for the freight you haul, including refrigerated/reefer with breakdown options, matched to your commodities.
Physical Damage
Collision and comprehensive for tractors, trailers, and equipment — owned or financed.
General Liability
Premises and operations exposure for your yard, dock, and non-driving activities.
Workers' Compensation
California-compliant coverage for drivers and staff, with experience-mod review and clean audits.
Excess & Umbrella
Higher liability limits to meet shipper and broker contract requirements and protect the business.
Non-Trucking & Bobtail
Coverage for owner-operators when running under their own authority or off-dispatch.
Filings & Compliance
MCS-90, state filings, radius and authority management to keep you legal and rolling.
Specialty
Hazmat & petroleum trucking
Hauling hazardous materials or petroleum is a specialized class with its own rules. Carriers underwrite it closely, federal financial-responsibility limits are higher, and a pollution exposure rides along with every load. Here's what that means — and the questions we'll ask to place it right.
Higher MCS-90 limits
Many hazardous materials require $5,000,000 in financial responsibility versus $1,000,000 for general freight — and certain bulk or extremely hazardous loads require more.
Pollution & environmental
A spill or release can trigger cleanup and third-party pollution claims that standard auto liability may exclude. We make sure the right pollution coverage is in place.
Cargo for hazardous loads
Motor truck cargo matched to the commodities you haul — bulk, packaged, and tanker exposures included.
Tanker & bulk
Coverage and limits appropriate for tanker, bulk, and placarded loads, including rollover and loading/unloading exposure.
Questions we'll cover for hazmat haulers
- Which hazmat classes and UN numbers do you haul (flammable liquids, gases, corrosives, oxidizers, explosives, etc.)?
- What percentage of your loads are placarded?
- Bulk/tanker or packaged freight — and do you load and unload, or only transport?
- Do you haul petroleum or fuel, and do you deliver to retail or commercial sites?
- Do all drivers hold the hazmat (H) CDL endorsement, and how are they screened and trained?
- What financial-responsibility limit applies to your materials — $1M, $5M, or higher?
- Do you carry pollution/environmental coverage, and at what limits?
- What is your operating radius and typical lanes — local, intermediate, or long-haul?
- Do you have a hazmat security plan and route/parking procedures where required?
- Any prior spills, releases, DOT violations, or out-of-service events?
Have these handy and we can move quickly. Request a hazmat quote → or call (714) 988-3863.
Why carriers choose Focus West
Built for the people behind every route.
Filings & authority handled
MCS-90, state filings, radius, and authority — we manage the compliance pieces so a paperwork gap never parks your trucks.
Safety & telematics credits
Disciplined driver selection, cameras, and telematics earn credits and defend claims — we present your fleet the way underwriters reward.
Real claims advocacy
When a loss happens, we coordinate the claim alongside a dedicated claims partner and push for a fair, timely resolution — so you stay on the road.
Operations we cover
From owner-operators to multi-unit fleets.
A sample of the operations we place coverage for. Don't see yours? We write virtually any class of trucking or transportation risk.
Where we work
Serving carriers across the West Coast.
Headquartered in San Diego, we place coverage up and down the West Coast — across California, Oregon, Washington, Nevada, Idaho, Utah, Arizona, and Hawaii — with deep roots in the communities we call home.
Get a transportation insurance quote.
Tell us about your trucks, drivers, radius, and commodities, and a Focus West advisor will follow up with a tailored next step. Need it faster? Call us.
Questions
Transportation insurance, answered
What areas and radius do you write transportation insurance in?
We're based in San Diego and write trucking and transportation risks across the West Coast — California, Oregon, Washington, Nevada, Idaho, Utah, Arizona, and Hawaii — with radius and authority anchored in San Diego, Orange County, Riverside, San Bernardino, and the Inland Empire.
Do you handle DOT and MC filings like the MCS-90?
Yes. We arrange the filings for-hire carriers need — including MCS-90 and state filings — and help manage radius, authority, and compliance requirements.
Do you cover owner-operators and multi-unit fleets?
Yes. We write everything from a single owner-operator to multi-unit fleets, structuring liability, physical damage, and cargo to fit how the operation actually runs.
Do you write motor truck cargo and refrigerated (reefer) coverage?
Yes. We place motor truck cargo, including refrigerated/reefer coverage with breakdown options, matched to the commodities you haul.
Do you write workers' compensation for drivers?
Yes. We place California-compliant workers' compensation for drivers and staff, review your experience modification factor, and help keep audits and classifications clean.
How do I get a transportation insurance quote?
Tell us about your operation using our quote form and a Focus West advisor follows up with a tailored next step. You can also call (714) 988-3863.
Coverage availability, terms, limits, and eligibility vary by carrier, underwriting, and state requirements. This page is informational only and is not an offer of insurance.
Guides
Transportation insurance guides
Guides by operation type, plus the coverages and filings that matter most for trucking.
For-hire trucking ·
Owner-operator ·
Hotshot ·
Refrigerated / reefer ·
Box truck & delivery ·
Hazmat & petroleum
Hired & non-owned auto ·
Motor truck cargo ·
Insurance glossary ·
All guides →