An independent agency that only makes sense if you keep running
We're not a call centre and we're not tied to one carrier. J & S Insurance Agency Inc, doing business as Jay S Insurance Agency, places commercial trucking coverage from Fresno, California across 13 states.
One licensed agent, from quote to claim
Sandy Gill handles trucking accounts directly — the submission, the market conversations, the certificates and the renewal review. There's no queue and no handoff to a service team that has never seen your file.
Most of our clients came in through another driver. That only works if the coverage holds up when something goes wrong, so we'd rather talk you out of a cheap policy than sell you one.
Our Story & Mission
Sandy Gill founded J & S Insurance Agency Inc. (DBA Jay S Insurance Agency) in 2018, driven by a passion for serving the community. After gaining valuable experience working in the insurance industry, she obtained her agent license and opened her own agency.
Since then, Sandy has focused on educating clients about commercial truck insurance, fleet coverage, and owner-operator policies. Her dedication to helping people and businesses with their insurance needs is the cornerstone of the agency's mission in Fresno and across California.
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.
Three things we don't compromise on
Tell you the real number
If your loss history or driver experience is going to price you out of a market, you hear that up front instead of after the application goes in.
Answer the phone
Certificates, additional insureds and filings go out the same day. A truck sitting at a dock waiting on paperwork is money you don't get back.
Review it every year
Clean years should lower your premium. We re-shop the file at renewal and show you what changed and why.
Talk to Sandy about your operation
No script, no obligation. Just a straight read on what your coverage should look like.