F & J Insurance

At FNJ Insurance, we are more than just an insurance company; we are dedicated partners in the success of hard-working Latino truck drivers across the United States. We understand the unique challenges and demands of navigating the vast American highways, and our mission is to provide comprehensive protection and peace of mind with every mile traveled.

We believe in fostering strong relationships built on trust and understanding. Our team comprises experienced professionals who are passionate about serving the trucking community. We take the time to listen to our clients' individual needs and develop customized insurance solutions that safeguard their livelihoods and ambitions.

Our Services

FNJ Insurance offers a wide range of tailored insurance products specifically designed for the trucking industry, ensuring comprehensive coverage for every aspect of your business.

Liability Insurance: This essential coverage is mandatory for all trucking businesses and protects you from financial responsibility for damages or injuries caused to third parties. It is divided into two main categories:

• Body Injury: This coverage protects you against financial losses resulting from injuries sustained by individuals in accidents involving your vehicle.

• Property Damage: This coverage addresses damages to other people's property, such as vehicles, buildings, or infrastructure, resulting from accidents involving your truck.

Liability insurance limits vary depending on your business operations - interstate vs. intrastate trucking - and are usually set by insurance brokers.

Motor Truck Cargo (MTC) Insurance: This vital coverage protects the goods you transport, shielding you from financial losses due to damage or loss during transit.

MTC coverage limits often range from $7,000 to $250,000 and may include two crucial sub-coverages:

• Reefer Breakdown/Physical Damage (PD): This specialized coverage protects against damages caused by malfunctions in your refrigerated transport unit ("reefer"). It safeguards the transportable goods from deterioration or spoilage due to a breakdown, as this can significantly impact their value. Brokers typically demand a minimum coverage of $100,000 with a $1,000 deductible.

• Physical Damage (PD): This coverage safeguards your vehicle from physical damage caused by incidents such as accidents, collisions, rollovers, theft, vandalism, fire or natural disasters.

General Liability Insurance: This protective coverage covers potential financial liabilities arising from negligence during loading or unloading operations. It helps protect you from claims related to property damage or bodily injury to third parties occurring during these activities.

Non-Trucking Liability/Bobtail Coverage: This essential insurance provides liability protection when your truck is being driven without a trailer, such as when traveling to or from a job site or from the dealer to your yard.

Our Commitment

FNJ Insurance is dedicated to serving the trucking community with integrity, professionalism, and personalized attention. We strive to make the insurance process seamless and transparent, providing clear explanations, competitive rates, and unwavering support throughout your coverage journey. We are your trusted partner, navigating the complexities of insurance to ensure you can focus on what matters most - safely and successfully running your trucking business.