85+ A-rated carriers shopping your rate. 1,400+ active policies. Bilingual EN/ES. Free quotes in 2 hours. Hard-to-place welcome — accidents, violations, new MC, international licenses.
Ontario is the operational heart of the Inland Empire trucking industry. With Ontario International Airport's air cargo complex, the I-10 / I-15 / 60 freeway convergence, and the warehouse and distribution corridor running along Mission Boulevard, Holt, and Vineyard, Ontario hosts more registered motor carriers than nearly any other city in Southern California. From port drayage and intermodal lanes feeding the Ports of LA/Long Beach to long-haul fleets staged near the Ontario Mills logistics hub, Ontario truckers move serious freight every day. Checkers Truck Insurance Services is headquartered right here in Ontario at 3990 Concours St — we've been writing local policies since 2009.
We currently maintain over 1,400 active policies across the Inland Empire and Greater Los Angeles, hold a 4.9/5 rating from 127+ trucker reviews, and shop 85+ A-rated carriers for every quote — including Progressive, Great American, Berkshire Hathaway GUARD, CNA, Lloyd's of London, Cover Whale, and AmTrust.
The I-10/I-15 junction and the ONT air hub shape what Ontario operators haul — and how carriers price it.
Ontario, California is the undisputed headquarters of West Coast logistics — and home to Checkers Truck Insurance Services since 2009. Located at the intersection of I-10 and I-15, directly adjacent to Ontario International Airport (ONT), Ontario serves as the main freight staging ground for Southern California. Millions of square feet of mega-distribution centers line Haven Avenue, Archibald Avenue, and Milliken Avenue.
For owner-operators and fleet managers based in Ontario, proximity to major distribution hubs means high load availability — but it also means navigating dense commercial zones, strict local code enforcement, and high policy requirements from major freight brokers. Located right on Concours Street in Ontario, Checkers provides face-to-face service, bilingual consultations, and 2-hour quote turnarounds across 85+ carrier markets.
I-10 (San Bernardino Freeway): The nation's primary southern transcontinental freight corridor. High truck volume moving east toward Phoenix and west toward LA and Long Beach ports.
I-15 (Devore Freeway): Critical north-south artery connecting Ontario to Las Vegas and northern interstate routes, as well as south toward San Diego and border crossings.
Haven / Archibald / Milliken Arterials: Heavy industrial surface streets carrying tens of thousands of Class 8 trucks daily between distribution yards and freeway ramps.
Ontario International Airport (ONT) Air Cargo Hub: Home to the massive UPS West Coast Air Hub and FedEx air operations, generating intense regional demand for box trucks, sprinters, and local cartage haulers.
Inland Empire Mega-Warehouses: Distribution centers for major retailers (Target, Walmart, QVC, Home Depot) requiring strict $1M liability / $100K cargo insurance certificates before dispatching — see our cargo insurance guide for how those limits are priced.
Union Pacific Ontario Freight Yards: Major rail transfer points feeding regional dry van, reefer, and flatbed operators moving goods across Southern California.
Independent broker. Ontario-area expertise. Real underwriting relationships.
Established 2009. We know how Ontario risks underwrite, what carriers want, and how to get you priced.
Progressive, Great American, Berkshire Hathaway GUARD, CNA, Lloyd's, Cover Whale, AmTrust — we shop them all.
Quote, bind, claims, renewals — all in English or Spanish. Hablamos tu idioma.
Standard accounts quoted within 2 business hours. Same-day binding once paperwork clears.
Every line a working trucker actually needs — packaged for owner-operators through fleets.
Primary liability up to $1M+. Required by FMCSA for interstate commerce.
Protects the freight you're hauling. Customizable limits for dry van, reefer, flatbed, and high-value loads.
Covers your tractor and trailer for collision, theft, fire, and weather damage.
Premises and operations coverage — required by most shippers and brokers.
Covers non-owned trailers you pull under interchange agreement.
Bobtail coverage for when you're operating off-dispatch.
Most brokers can't write you. We can — because hard-to-place is what we do.
We have surplus-lines markets — including Lloyd's of London syndicates and specialty carriers like Cover Whale — that exist specifically to write port drayage, intermodal, dry van, refrigerated, flatbed, and air cargo distribution that standard markets won't touch. We package your submission so underwriters see the full story, not just the loss runs.
Fill the form. A Ontario-area specialist calls you back within 2 hours with rates from 85+ carriers.
Free. No obligation. Bilingual agents available.
An owner-operator with one truck and a clean record based in Ontario generally pays between $8,500 and $15,500 annually for commercial trucking insurance in 2026. Fleet rates run $6,500–$12,000 per truck annually. Rates depend on cargo type, operating radius, and driving record. Because Checkers is headquartered in Ontario and shops across 85+ carriers, we help local truckers find competitive pricing. Call us at (909) 824-6500 or visit our Concours St office.
Yes. Through Checkers, certificates of insurance are issued in minutes. You can access them 24/7 via our customer portal or call our local Ontario office for fast certificate processing with custom certificate holder wording required by shippers and brokers.
Absolutely. We handle electronic filings including MCP65, Form BMC-91, and filings with the California DMV and FMCSA to ensure your authority remains active without operational delays.
Captives only sell one carrier. Checkers shops 85+ A-rated markets — Progressive, Great American, Berkshire Hathaway GUARD, CNA, Lloyd's of London, Cover Whale, AmTrust, and more — to find the most competitive rate for your specific Ontario operation. We've written 1,400+ active policies across the Inland Empire.
Yes. New-authority placements are a Checkers specialty. We have surplus-lines markets that write fresh MC numbers from day one — including Ontario operations running drayage, regional, or long-haul lanes.
Sí. Our entire team is bilingual English/Spanish. Quotes, binding, claims, and renewals — all available in either language. Hablamos español. Llame al (909) 824-6500.
Standard Ontario accounts are quoted within 2 business hours. Hard-to-place accounts requiring surplus-lines underwriting take 24–48 hours. Same-day binding once paperwork and down payment clear.
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Join 1,400+ truckers across the Inland Empire who trust Checkers.
Get Free Quote →🇲🇽 Hablamos español — llame al (909) 824-6500 para una cotización gratis.