Business Details
25 Years
experience
Emergency
services
Your Trusted Commercial Transportation Insurance Partner in California
Founded in 2001, Rick Nay Insurance has built a reputation as a trusted independent insurance agency serving the commercial transportation industry. Our journey began after the September 11th attacks, when Rick and Terri Nay transitioned from corporate roles to establish a client-focused agency rooted in integrity and personalized service. With over two decades of experience, we specialize in commercial truck insurance, offering tailored solutions that address the unique needs of trucking operations. Our team maintains direct relationships with leading insurance carriers, enabling us to secure competitive rates and comprehensive coverage options that other agencies may overlook. We prioritize transparency, ensuring clients fully understand policy detailsincluding critical exclusionsbefore claims arise.Our commitment to long-term relationships is demonstrated through 24/7 emergency support and a client-first approach that has earned us recognition from both policyholders and industry partners. Headquartered in California, we serve trucking businesses nationwide while maintaining the personal touch that distinguishes us from larger institutions. Our adherence to Proverbs 22:1 guides every decision, emphasizing trustworthiness over mere profitability. Through consistent service excellence, we have grown to become one of California's most respected truck insurance agencies.
Services
Commercial Truck Insurance
Commercial Transportation Insurance
Non-owned and Hired Auto
Physical Damage Coverage
Cargo Insurance
Non-owned Trailer Coverage
Combined Single Deductible
Down Time Coverage
Personal Property Protection
Rental Reimbursement
Details
- Year established: 2001
Highlights and features
- We offer 24/7 emergency insurance support for urgent needs
- Our team has over 20 years of experience in truck insurance
- We provide personalized policy explanations to ensure full understanding
- We represent leading truck insurance carriers for comprehensive options
- We guarantee competitive rates with client-focused service
What people say
Exceptional service
24/7 knowledgeable support
Competitive rates
Personalized attention
Trusted partner
Services
Commercial Truck Insurance
Our commercial truck insurance protects owner-operators and fleets against liability and physical damage. Policies cover cargo, equipment, and business assets while addressing state-specific regulations. We tailor coverage to match individual operational risks, including long-haul and regional routes.
Non-owned Trailer Coverage
This specialized coverage protects trailers not owned by the policyholder, including hired or leased units. We clarify distinctions between non-owned trailer and unidentified trailer policies to ensure proper protection during cargo transport and equipment rental periods.
Physical Damage Coverage
Physical damage insurance covers repair or replacement costs for insured vehicles after collisions or non-collision incidents. Our policies include comprehensive protection against theft, vandalism, and natural disasters while offering flexible deductible options to manage premium costs.
Cargo Insurance
Cargo insurance safeguards transported goods against loss or damage during transit. We offer customizable limits and endorsements for high-value shipments, hazardous materials, and temperature-controlled freight while coordinating with physical damage policies for complete asset protection.
Rental Reimbursement
This coverage compensates for lost income when insured vehicles require repairs from covered incidents. Policies include daily rental allowances and maximum payout periods to maintain business continuity during equipment outages while minimizing operational disruptions.
Questions
What types of commercial transportation insurance do you offer?
We specialize in commercial truck insurance covering physical damage, cargo protection, non-owned trailers, rental reimbursement, and downtime coverage tailored to owner-operators and fleets.
Do you provide 24/7 emergency insurance support?
Yes, we offer 24/7 emergency service with direct access to our team for urgent claims assistance or policy-related emergencies.
How do you help clients understand policy details?
We provide personalized explanations of coverage terms, exclusions, and policy differences to ensure informed decisions before purchasing insurance.
Can you help find better rates than my current provider?
We leverage relationships with multiple carriers to secure competitive pricing, as demonstrated by clients saving $1,700 annually through our policy optimization.
Do you offer combined coverage options?
Yes, we provide combined single deductibles for physical damage and cargo policies to simplify claims processes and reduce out-of-pocket costs.
