Truck Insurance for San Diego & the Border

Coverage for Fleets and Cross-Border Carriers in San Diego County

San Diego freight runs on the border. From the Otay Mesa and Tecate crossings and the Port of San Diego to regional runs through Chula Vista, National City and El Cajon and up I-5 and I-15, carriers here handle cross-border loads, produce and distribution on tight schedules.


Callidus Insurance Solutions insures fleets and owner-operators based in San Diego County. We place primary liability, cargo, physical damage and trailer interchange coverage with motor carrier insurers, and handle your California MCP and FMCSA filings. Tell us about any cross-border operations up front so the policy matches how you actually run. Already insured? Send us your declarations page and loss runs 90 days before renewal and we will take your fleet to market.

Fleet & Specialized Hauling Coverage

We write policies tailored to the specific commodities you haul and the radius of your operations:

  • Primary Auto Liability: Mandatory coverage protecting your business against bodily injury and property damage to third parties. We provide limits meeting federal FMCSA mandates ($750,000 to $1,000,000+ CSL) and state requirements.
  • Motor Truck Cargo Insurance: Protects the freight you haul against theft, fire, collision, or loss while in transit. We offer specialized endorsements including Reefer Breakdown / Temperature Exclusion Coverage for refrigerated freight, debris removal, and earn-freight charges.
  • Physical Damage Coverage: Comprehensive and collision protection for your valuable tractors, semi-trailers, dump trucks, and specialized rigs. Includes physical damage coverage based on Stated Amount or Actual Cash Value (ACV).
  • Non-Trucking Liability (Bobtail) / Deadhead Coverage: Crucial protection for owner-operators under permanent lease to a motor carrier when operating the tractor for non-business or off-duty purposes without a trailer.
  • Trailer Interchange & Non-Owned Trailer: Covers physical damage to trailers you do not own while in your possession under a written interchange agreement or trailer-sharing contract.
  • Workers’ Compensation & Occupational Accident: Truck driving carries high risk for physical injuries, road accidents, and loading strain. We provide compliant Workers' Comp for employee drivers or flexible Occupational Accident (Occ-Acc) programs for independent contractors.

San Diego Haulers We Insure

  • Interstate & Intrastate Long-Haul
  • Local & Regional Freight Distribution
  • Refrigerated Cargo (Reefer Haulers)
  • Flatbed & Heavy Equipment Transport
  • Intermodal Drayage (Port & Rail Hauling)
  • Dry Van & General Freight
  • Dump Trucks, Aggregate & Dirt Hauling
  • Auto Transporters & Car Haulers

Why San Diego Carriers Work with Callidus

Trucking Risk Challenge


Delays in Dispatch & Onboarding



High Claims Expenses & Spoilage



DMV / CHP Permit Suspensions




Rising Insurance Premiums

The Callidus Solution


  • Instant certificates of insurance (COIs) with specialized loss-payee and additional insured clauses.


  • Customized cargo endorsements written specifically for high-value freight or temperature-controlled goods.


  • Same-day electronic filing of state (MC 65 M) and federal proof of insurance.


  • Access to multiple niche trucking carriers to compare rates and optimize deductibles.

Protect Your Rigs & Keep Your Fleet Moving

Running Otay Mesa or the San Diego region? Send us your current policy and loss runs. We will shop your fleet with our trucking carriers and bring back options built around your routes and cargo.