Business Property Insurance
Your trucks are insured, but what about your office, your yard, your shop, and your equipment? Business property insurance protects the physical assets that keep your trucking operation running.
Protect Your Business Assets
Your trucking business is more than your trucks. Your office, truck yard, maintenance shop, tools, parts inventory, and computer systems are all essential to your operation. A fire, theft, vandalism, or natural disaster affecting these assets can halt your business and cost tens of thousands of dollars to recover. Business property insurance provides the financial protection to repair or replace damaged property and cover lost income during the recovery period. At Trucking Insurance Today, we build business property policies that address the specific exposures of trucking company facilities across Southern California.
Building Coverage
Protects the physical structure of buildings you own — offices, maintenance shops, and storage facilities — against fire, windstorm, vandalism, and other covered perils.
Equipment & Tools
Covers your business personal property including tools, diagnostic equipment, parts inventory, computers, office furniture, and other business assets at your insured location.
Business Interruption
Reimburses lost income and covers ongoing expenses (rent, payroll, loan payments) when your business is forced to shut down or relocate due to a covered property loss.
Inland Marine
Covers tools, equipment, and business property when they are in transit or being used at locations other than your insured premises — essential for mobile repair operations.
Frequently Asked Questions
Do trucking companies need business property insurance?
If your trucking company owns or leases office space, a truck yard, a warehouse, or a maintenance facility, you need business property insurance to protect those physical assets. It covers the building, its contents, equipment, and business interruption losses if the property is damaged.
What does business property insurance cover for trucking companies?
Business property insurance covers the physical structures you own or lease, furniture, office equipment, computers, tools, parts inventory, and business personal property. It also covers loss of income if your business is interrupted due to a covered property loss.
How much does business property insurance cost for a trucking company?
Costs depend on the property value, location, construction type, and coverage limits. A small trucking company with a leased office might pay $500-$1,500 per year, while companies with owned facilities, truck yards, or maintenance shops may pay $2,000-$10,000+ annually.
Does business property insurance cover tools and equipment in my shop?
Yes. Business property insurance covers tools, diagnostic equipment, parts inventory, and other business personal property located at your insured premises. Some policies also offer inland marine coverage for tools and equipment used off-site.
Protect Your Business Property
Get a business property insurance quote that covers your offices, yards, shops, and equipment. We find the right coverage at competitive rates.