Commercial trucking insurance, quoted by people who know trucking.
We shop multiple top-rated carriers for owner-operators, new authorities and fleets — then explain the coverage in plain language. English and Punjabi.
Coverage built around how you actually run
Whether you just got your authority or you're managing twenty units, we build the policy around the operation — not a template.
You get an agent, not a quote engine
J & S Insurance Agency is independent. We aren't tied to one carrier, so we compare the market and tell you honestly where your operation places best — and what it will take to lower the premium next year.
We speak your language
English and Punjabi — policy terms explained the way you'd explain them to a driver.
Trucking is the specialty, not a sideline
Long haul, local, sand and gravel, AG haulers, and box truck — we know how underwriters read each one.
Certificates and filings, same day
COIs, MCS-90 filings and additional insureds handled while you're still on the phone.
Sandy Gill
Licensed Agent · Owner
CA Lic# 6011255
Agency Advantages
- Direct Agent AccessNo call centers or handoffs. Deal directly with Sandy.
- Same-Day FilingsWe submit MCS-90, BMC-91, and certificates immediately.
- Independent ChoiceWe compare policies across multiple A-rated carriers.
From first call to certificate in hand
Tell us how you run
MC or DOT number, units, drivers, radius and commodity. Four fields online or one phone call.
We shop the market
We take your file to the carriers that write your class of operation and compare what comes back.
Bind and roll
Sign, pay and get your certificates and MCS-90 filing the same day. No waiting on a call center.
Licensed in 13 states, based in Fresno
Filed and ready to write wherever your authority runs. Don't see your state? Call — we're adding markets.
What owner-operators say
SAMPLE COPY — SWAP IN REAL GOOGLE REVIEWS BEFORE LAUNCHI got my authority in March and three agents wouldn't even quote me. Sandy had two options back the same afternoon and walked me through what each one actually covered.
We run eight units and our old broker took two days to send a certificate. Here I text a request and it's in the shipper's inbox before I hang up.
They found me better cargo limits for less than I was paying and explained it in Punjabi so my dad understood the policy too. That mattered to us.
Questions we hear
every week
Straight answers on timing, pricing and paperwork — the three things every carrier asks about first.
How fast can I get a quote?+
Most quotes come back the same business day. Have your MC or DOT number, VINs, driver list and current declarations page ready and it moves faster.
Can you insure a brand-new authority?+
Yes. New-venture filings are a large part of what we do. Expect underwriters to ask about your CDL years, prior driving record and the lanes you plan to run.
What does trucking insurance actually cost?+
It depends on your radius, commodity, driver experience, loss history and the value of the equipment. We'll walk you through what's driving your number instead of just handing you a premium.
Do you handle certificates for my broker?+
Yes — certificates of insurance, additional insureds and MCS-90 filings, usually the same day you ask.
I'm mid-term with another agent. Can I still switch?+
Often, yes. We'll review your current policy and tell you honestly whether switching now saves money or whether it's better to wait for renewal.
Tell us about your operation. We'll do the shopping.
Four questions gets it started. If you'd rather talk it through, Sandy picks up the phone.