Trucking Insurance in Irvine, CA

DOT-compliant coverage for owner-operators, fleets, and motor carriers.

Trucking Coverage for Irvine Businesses

Irvine is one of Orange County’s largest business hubs, and ProRisk serves it locally from our Aliso Viejo office.

Trucking insurance from ProRisk covers the truck, the trailer, the driver, and the load. We file your MCS-90, post your filings with the FMCSA, and keep your authority active so you can keep moving freight. Whether you’re a single-truck owner-operator or a 50-power-unit fleet, we build the policy around your operation — not the other way around.

The Irvine market

The Irvine Spectrum and surrounding office parks are packed with professional-services firms, tech companies, and contractors who need BOP, professional liability, and cyber. Being 15 minutes away means same-day certificates and in-person service.

Trucking insurance requirements in California

California has the strictest commercial insurance requirements in the country. From CSLB bond requirements for contractors to CA DMV / MCP filings for trucking, ProRisk Insurance keeps your operation compliant from day one.

What Trucking Insurance Covers in Irvine

Primary Liability

Federally required coverage that pays for damage and injuries you cause to others. Minimum $750K, $1M for most shippers and brokers.

Physical Damage

Covers your truck and trailer for collision, theft, fire, and vandalism — required if the truck is financed.

Motor Truck Cargo

Pays to replace freight that is damaged, lost, or stolen while in your care, custody, and control.

Non-Trucking Liability

Bobtail coverage for when you’re driving the truck without a load and not under dispatch.

General Liability

Protects you off the truck — at the terminal, the shipper, the receiver, or your shop.

Trailer Interchange

Required by most brokers and carriers when you’re hauling a trailer that doesn’t belong to you.

Get Covered in 3 Simple Steps

Our streamlined process makes getting business insurance fast, easy, and affordable

01Step 01

Tell Us About Your Business

Share some basic information about your business, industry, and coverage needs. Our smart form makes it quick and easy.

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02Step 02

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03Step 03

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Trucking Insurance FAQs — Irvine

Do you write trucking insurance in Irvine, CA?+

Yes. ProRisk Insurance is licensed in California and writes trucking insurance for businesses throughout Irvine and the surrounding area. Most policies bind same-day — call (888) 493-8055 or request a quote online.

How much does trucking insurance cost?+

New-authority owner-operators typically pay $9,000–$16,000/year for full coverage (liability + physical damage + cargo). Established fleets with clean MVRs pay much less per unit.

Do you write new authority?+

Yes. We write brand-new MC numbers with no prior insurance history — most carriers will not.

What is an MCS-90?+

It is a federal endorsement that guarantees the FMCSA you’ll pay for accidents involving the public, even if your policy would not normally respond. Required for interstate motor carriers.

Can I get coverage today?+

Yes. If we have your MC number, VIN, driver MVR, and a down payment, most policies bind same-day.

California coverage requirements

California General Liability Insurance California Workers’ Compensation Insurance California Contractor Bonds California Cyber Liability Insurance

Other California Cities We Serve

Trucking Los Angeles Trucking Aliso Viejo Trucking San Diego Trucking San Francisco Trucking Long Beach Trucking Pasadena Trucking Glendale Trucking Burbank Trucking Santa Monica Trucking Torrance All of California →

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