Frequently Asked Questions

The information depends on the type of insurance, but it commonly includes your contact details, business or household information, current coverage, loss history, vehicle or property details, drivers or employees, and the date you want coverage to begin.

Timing varies based on the coverage requested and the complexity of the risk. Some quotes may be available quickly, while commercial trucking or more complex business accounts may require additional documentation and underwriting review.

Yes. As an independent agency, we can review available options from multiple insurance markets and help you compare coverage, limits, deductibles, and pricing. Availability varies by state, risk, and carrier eligibility requirements.

Yohana's Insurance Services is licensed in California, Arizona, Nevada, Texas, and Colorado. Product availability and carrier options may differ by state.

Yes. Se Habla Español. Our team can assist clients in English or Spanish with quotes, coverage questions, and policy service.

We work with many types of trucking businesses, including owner-operators, new ventures, fleets, box trucks, hot shot operations, and interstate carriers. Eligibility depends on factors such as equipment, cargo, radius, experience, loss history, and operating authority.

Yes, insurance may be available for new ventures. Underwriters typically review driving experience, vehicle information, cargo, operating radius, business plans, and required filings. New ventures may have fewer carrier options than established operations, but our team can help identify available programs.

Primary auto liability helps cover covered bodily injury and property damage claims arising from the operation of an insured commercial vehicle. It is a core coverage for most for-hire motor carriers and may be required by federal or state authorities depending on the operation.

Motor truck cargo insurance may help cover freight in your care, custody, or control against certain covered causes of loss. Coverage is subject to policy terms, exclusions, cargo classifications, limits, and deductibles.

Physical damage coverage may help pay to repair or replace an insured truck or trailer after a covered collision or other covered loss. It commonly includes collision and comprehensive or specified-causes-of-loss coverage.

Non-trucking liability is designed for certain situations when a leased owner-operator uses the truck for personal, non-business purposes. It is not the same as primary liability and does not apply to every off-dispatch situation. Policy terms should be reviewed carefully.

Yes. We can assist with certificates of insurance and coordinate eligible federal or state filings when they are included with the policy and supported by the insurance carrier. Processing times and filing availability vary.

General liability insurance may help protect a business from certain covered third-party claims involving bodily injury, property damage, personal injury, or advertising injury. It does not cover every business risk, so additional policies may be needed.

A Business Owner's Policy, commonly called a BOP, combines common business property and liability coverages in one policy for eligible small and medium-sized businesses. Eligibility and included coverages vary by carrier.

Requirements depend on the state, number and type of employees, and the nature of the business. Workers' compensation generally provides benefits for covered work-related injuries or illnesses. Our team can help review your situation, but legal requirements should also be confirmed with the appropriate state agency or qualified adviser.

Professional liability insurance, sometimes called errors and omissions insurance, may help protect service-based businesses from certain claims involving alleged mistakes, negligence, or failure to perform professional duties.

A personal auto policy may exclude or limit coverage for business use. Commercial auto insurance may be appropriate when vehicles are owned by the business, used for deliveries, carry tools or employees, or are regularly used for business operations.

The right limits depend on your assets, driving exposure, budget, vehicle, and risk tolerance. State minimum limits may not provide enough protection for every driver. An agent can help you compare liability limits, deductibles, uninsured motorist coverage, and physical damage options.

Homeowners insurance commonly includes coverage for the dwelling, certain other structures, personal property, loss of use, and personal liability, subject to policy limits, exclusions, conditions, and deductibles.

A landlord's policy generally protects the building, not a tenant's personal belongings or personal liability. Renters insurance can provide affordable protection for personal property, certain additional living expenses, and liability claims.

Renters insurance is designed for tenants and generally focuses on personal property, liability, and loss of use. Condo insurance is designed for unit owners and may also cover interior features, improvements, and items not covered by the condominium association's master policy.

A personal umbrella policy provides an additional layer of liability protection above eligible underlying home, auto, or other personal policies. It may also cover certain claims not included in the underlying policies, subject to the umbrella policy's terms and exclusions.