Trucking insurance built for San Diego owner-operators and fleets.

Why this matters for Truckers & Fleets

San Diego County sits on two of the busiest freight corridors in the Western US — I-5 north-south and I-8 east. Port of San Diego drayage, cross-border freight through Otay Mesa, agricultural hauls from the Imperial Valley, and last-mile delivery across the county all depend on independent truckers and small fleets. We shop primary liability, physical damage, cargo, and MCS-90 filings across trucking-specialist carriers so you get the right coverage at the right rate.

Key exposures we build coverage for

• Federal FMCSA filings MCS-90 endorsement required for interstate for-hire carriers — we file it for you.
• Cargo value and commodity General freight, refrigerated, hazmat, and household goods each have different rate and limit requirements.
• Radius of operation Local (50 mi), intermediate, and long-haul all price differently. We match you to the right class.
• New-venture and new-authority truckers Most standard carriers reject trucks in their first 12 months; we know which markets welcome them.
• Owner-operator vs. fleet Owner-operators leased on to a motor carrier often only need non-trucking liability + occupational accident; authority-runners need the full package.

Why Simple Lane

Trucking is its own insurance market with its own carriers, filings, and underwriting. Generalist agencies struggle with it; we do it every week — from Class 3 hotshot F-450s to Class 8 semi fleets.

I-5 & I-8

Primary freight corridors

Otay Mesa

Busiest US-Mexico commercial crossing

FMCSA

MCS-90 filings on your behalf