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We offer competitive rates on Truckers Insurance or Trucking Insurance in Texas covering Liability, Bobtail, Non Truckers, Physical Damage, Cargo, or Owner Operator.  Truckers Insurance is offered for any operator in Texas.  You can fill out our online  Truckers Quote Form to get rate estimates through several of our carriers so that you can compare.


Truckers Quote Form



Primary Liability

This is usually the most costly portion of any trucking company’s insurance package. Protecting you from damage or injuries to other people as a result of truck accidents, this coverage is also mandated by the State and Federal agencies. A form of proof is required to be sent to them. Interstate truckers will need the MCS90, the BMC91x and the appropriate state form endorsements which extend coverage to the regulatory agencies. Policy limits, generally, for operations with trucks over 10,000 gross vehicle weight have a required limit of $750,000. This limit is set by the FHWA on interstate travel and, generally, matched by the various States.

Physical Damage

This type of policy provides actual cash value protection to an insured¹s equipment in the event of an accident. This coverage also applies to losses resulting from fire, theft, and vandalism of the insured equipment.

Motor Truck Cargo

The transporter of freight and commodities assumes responsibility for the cargo he has taken control of. The amount of that responsibility should be clearly established and understood by both the shipper and the transporter before the shipment is moved. This is usually done by contract, by bill of lading, disclosure or by published tariffs. Motor Truck Cargo insurance protects the transporter for his responsibility in the event of damaged or lost freight. The policy is purchased with a maximum load limit per vehicle. This insurance policy, without question, requires careful thought and evaluation prior to purchasing. In addition, you need to be constantly evaluating the nature of your freight to make sure the coverage meets the demands. *This coverage is brokered through one of our affiliates.

General Liability

As the name implies, this coverage pertains to very broad coverage other than automobile. Protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract is a customary type of risk this coverage is intended for. Policy limits run from $100,000 on up; however, the usual policy limit sets each occurrence at $1mm and a policy aggregate of $2mm. Higher limits are available as necessary for your particular need. *This coverage is brokered through one of our affiliates.

Non-Trucking Liability

Non-Trucking Liability provides limited liability insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer. For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

Workers Compensation

This insurance coverage offers you disability and income benefits to employees as the result of a job-related injury. It is mandatory that all trucking companies employing individuals maintain a Workman¹s Compensation policy to cover their drivers in the event of an injury. *This coverage is brokered through one of our affiliates.

Occupational Accident

This insurance coverage provides the owner-operator with medical benefits and disability coverage due to a work-related accident, injury, or death. It should not be purchased in lieu of Workman¹s Compensation, except in cases where Workman¹s Compensation is not available in the specific state.

ICC Authority

Generally ICC Authority is required for trucking companies which are hauling commodities over state lines for others. ICC Authority, DOT Numbers, Regulatory Permits along with different types of bonds may be needed to meet your transportation needs.

Contact us today! Tel. 888-221-2640 or email: info@texasinsurance.biz