FAQ and Links
FAQ and Links
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Insurance Terms

Primary Auto Liability: Private, Common  and Contract Carriers must carry liability coverage, including leased units. Liability insurance protects you when a third party is injured/damaged in an accident.

Physical Damage: Coverage for your truck/trailer. Premium is based upon the value of the equipment, usually a percentage.

General Liability: Protects the business for any property damage/bodily injury that might occur, though not involving a vehicle.

Non-Trucking Liability (Bobtail) Insurance: pays for an accident when the driver/truck is not under dispatch

Trailer Interchange Liability: Coverage protects a trailer you are pulling when there is an interchange agreement in effect.

Cargo Insurance: Covers loss/damage to freight in transit. Please review terms carefully as many exclusions may be included.

Terminal Coverage: Protects freight located at specified terminals in the event of loss. There are usually time limitations related to this coverage.

Warehouse Legal Liability: Coverage protects goods stored at specified locations in the event of loss, ie: theft, fire, sprinkler damage. Amount of coverage is dependent upon the total amount of goods stored at any one time.   

Useful Links
Workers Compensation Insurance Rating Bureau
Contractor State License Board
California Department of Motor Vehicles
California Employer Pull Notice
California Public Utilities Commission
Federal Motor Carrier Safety Administration

CA License # 0B77133 / TX License # 1577141 / AZ License # 946824


G.M.Q. Insurance Services 1710 North Moorpark #20
Thousand Oaks, CA 91360