What is Capital & Co Insurance Services?

Capital & Co Insurance Services manages 2 data types including insurance products.

How much liability coverage does the FMCSA require?

FMCSA typically requires a minimum of $750,000 in auto liability for general freight, $1M for hazmat, and $300,000 for some exempt commodities.

Can owner-operators get coverage under a fleet policy?

Yes. Owner-operators can be added to a motor carrier's policy as permissive users, or carry their own bobtail and non-trucking liability policy when operating under their own authority.

What is motor truck cargo insurance?

It covers the freight you're hauling in case of theft, collision damage, or other losses while goods are in transit. It's typically required by shippers and brokers.

What types of commercial insurance does Capital & Co offer?

Capital & Co offers general liability, workers compensation, commercial auto, commercial property, umbrella/excess liability, professional liability (E&O), cyber liability, surety bonds, inland marine, and builders risk insurance for businesses in California and nationwide.

Do I need workers compensation insurance in California?

Yes. California law requires most employers to carry workers compensation insurance, even for part-time employees. Failure to carry it is a criminal offense. Capital & Co can help you get compliant coverage quickly.

How much does general liability insurance cost for a contractor?

General liability insurance for contractors in California typically ranges from $500 to $3,000+ per year depending on trade, payroll, revenue, and claims history. Capital & Co shops 50+ carriers to find the most competitive rate.

How quickly can I get a certificate of insurance (COI)?

Capital & Co processes certificate of insurance requests within 24 business hours. Existing clients can submit a COI request online at capcoinsurance.com/coi-request.

Does Capital & Co serve businesses outside of Los Angeles?

Yes. While our primary market is Los Angeles and Southern California, Capital & Co places commercial insurance for businesses throughout California and nationwide through our carrier network.

What is a surety bond and does my contractor license require one?

A surety bond is a three-party guarantee that a contractor will fulfill their contractual obligations. California requires most licensed contractors to carry a $25,000 contractor license bond (CSLB bond). Capital & Co can issue contractor bonds same-day in most cases.

Commercial Trucking Insurance · California

Trucking Insurance for Owner-Operators & Fleets

Commercial trucking carries some of the highest liability exposures in any industry. From cargo claims and auto liability to workers comp for drivers, transportation businesses need specialized programs built for their operations. Capital & Co works with admitted and E&S carriers to find competitive trucking programs.

Key Risks

High-severity auto liability accidents

Cargo loss, damage, or theft in transit

Driver injury and workers compensation

FMCSA and DOT regulatory compliance

Trailer interchange and non-owned trailer exposure

Fuel and hazmat spill liability

Coverage Programs

Core / Typically Required

Truckers Auto Liability

Primary liability coverage required by FMCSA for most interstate operations.

Motor Truck Cargo

Covers freight and goods in your care, custody, or control.

Workers Compensation

Required for employed drivers — covers injuries on the job.

Recommended / Optional

Physical Damage

Comprehensive and collision coverage for your trucks and trailers.

Trailer Interchange

Covers non-owned trailers under a trailer interchange agreement.

General Liability

Covers non-auto business operations and premises liability.

COI Requirement Checker

Select your industry / trade

Typical contract size

Public or private work?

License status

Answer the 3 questions above to see required limits and policy types.

Frequently Asked Questions

Why Capital & Co

Specialized market access for fleet & freight operators programs
California-specific regulatory knowledge and compliance
Competitive rates across 50+ admitted and non-admitted carriers
1-hour quote turnaround for most commercial submissions
Dedicated claims advocacy and certificate management

Modern office building representing commercial business insurance and corporate coverage solutions

Get Started

Ready to Place a Risk?

Our team is standing by to help you find the right commercial coverage. Submit your information and get a competitive quote from Capital & Co.

License #6002332 · California Licensed Agency