1–2 drivers · 1–2 powered trucks
Owner-Operators & Driving Teams
Request coverage for yourself, a husband-and-wife team, or another two-driver operation. Include a second truck if you use a backup vehicle.
Get an Owner-Operator QuoteIndependent Texas insurance agency · Serving Texas since 1997
Texas Trucking Insurance
Coverage options for owner-operators, two-driver teams, and growing trucking businesses. Review your vehicles, hauling, authority status, and contracts with Insurance Plus.
Accepted Payment Methods
Major credit cards and EFT/ACH may be accepted depending on provider eligibility, down payment rules, billing plan, and policy type.
Payment plans, down payments, premium financing, and automatic payment choices vary by provider and policy.
More than two drivers or powered trucks?
Larger Businesses & Fleets
Provide your operation, vehicle schedule, driver details, and coverage requirements for a larger-business or fleet review.
Request a Fleet QuoteCoverage Questions?
Tell us whether you run under your own authority or are leased to a motor carrier. We can review coverage responsibilities and filing questions.
Speak with us: 214-351-4097
Truck Insurance for Solo Operators and Two-Driver Teams
Running your own truck takes planning, whether you drive alone or share the work with a spouse or business partner. Texas trucking insurance should reflect who drives, the equipment used, the freight hauled, and the agreements behind the work.
Husband-and-wife teams and other driving partners can use our online form to provide details for up to two drivers and two powered trucks. Each driver supplies their own date of birth, license number, issuing state, and experience. Tell us if both drivers share one truck or use separate vehicles.
A solo driver with a backup truck can also request a review. Describe how each vehicle is used and which coverages you want; a parked or spare truck should not be assumed to have the same protection as the working vehicle.
Additional drivers and equipment require individual review. For larger operations, use our fleet quote form to provide the additional driver and equipment information.
Own Authority or Leased to a Motor Carrier?
Your operating arrangement helps determine which responsibilities belong to your business and which may sit with a motor carrier. Owner-operator truck insurance is not a single package that fits every lease or hauling operation.
Operating under your own authority
Discuss trucking auto liability, motor truck cargo, equipment protection, required filings, and shipper or broker requirements. Share your authority numbers if assigned, operating radius, and the type and value of freight you carry.
Leased to a carrier
Review the written lease and the carrier’s insurance arrangements. You may need separate physical damage, non-trucking liability, or trailer protection depending on your responsibilities and the policy terms.
Private carriers hauling their own goods should describe that use as well. Explain the actual operation so the quote can address the right exposures.
Commercial Truck Insurance: Equipment, Cargo & Liability
Review each part of the proposal separately. Coverage names alone do not establish that a particular truck, load, trailer, or activity is insured.
Trucking auto liability
Addresses covered injury or property damage arising from vehicle use, subject to policy terms. Requested limits may also reflect contracts with shippers, brokers, or motor carriers.
Truck and trailer physical damage
Comprehensive and collision coverage can address covered damage to insured equipment. Review vehicle values, financing requirements, deductibles, and settlement provisions. Liability alone does not pay to repair your own truck.
Motor truck cargo and non-owned trailers
Describe your commodities, maximum load value, refrigeration needs, and handling. Trailer interchange or other non-owned trailer protection should match the agreement and use. Neither is automatically included just because you carry auto liability.
Match the Coverage to the Work
These questions help distinguish different protection needs before comparing proposals.
Non-trucking liability
May fit eligible personal use by a leased owner-operator. Describe dispatch status, business use, and lease responsibilities; the policy’s definitions and exclusions govern.
Trucking general liability
Addresses a different set of business exposures from auto liability. Review contracts and activities such as work away from the truck rather than assuming one policy covers both.
Contract requirements
Share requested limits and endorsements from your broker, shipper, lender, or carrier. Towing, downtime, and other expenses should be discussed rather than assumed included.
Texas and Federal Insurance Filings
Tell us whether you need Federal/FMCSA filings, Texas/TxDMV filings, no filings, or help determining what applies. The quote form uses these simple choices so you do not have to identify every technical filing document.
Insurance filings and certificates of insurance serve different purposes. Requirements depend on your authority and operation. Check applicable requirements with the regulator and have the insurer confirm any needed filing before you rely on it.
A leased operator should also identify the motor carrier and provide lease requirements. Submitting a quote request does not activate authority or confirm that a filing has been accepted.
Prepare for Your Trucking Insurance Quote
Accurate information helps us review Texas trucking insurance options that fit your operation. Have these details ready for the online request:
- Applicant contact information and business address.
- Each driver’s name, date of birth, license number and issuing state, experience, and driving history.
- VIN, year, make, and model for each powered truck; equipment values where relevant.
- Trailer details, cargo, operating area, and usual radius.
- Own-authority or leased-carrier details and any filing needs.
- Requested coverage, contracts, current insurance, prior claims, and desired effective date.
Pricing and eligibility may depend on driver records, experience, freight, radius, authority history, equipment, limits, and losses. Provide accurate details about new ventures, unusual cargo, or changes in your operation.
Our form accommodates one or two drivers and one or two powered trucks. Request Texas trucking insurance quotes, or request a fleet quote for a larger business.
Trucking Insurance Questions
Can my spouse or driving partner be included in the quote?
Yes. Our online form accommodates up to two drivers and two powered trucks. Enter each driver’s details, including license information and experience. Eligibility and acceptance depend on insurer review.
Can I request coverage for a backup truck?
Yes. Select two powered trucks and provide the details for both. Explain how the spare truck is used and the protection requested so the agency can review appropriate options.
Can leased owner-operators request coverage?
Yes. Tell us which motor carrier you are leased to and describe your responsibilities under the lease. We can review the coverage you need separately from the carrier’s arrangements.
Is cargo insurance included in trucking auto liability?
Not automatically. Review motor truck cargo separately for your freight and contractual requirements, including limits, exclusions, and conditions.
What if my business has more than two drivers or trucks?
Use our fleet quote form to provide the driver, equipment, and operation information needed for a larger business or fleet quote.
Does a quote request bind coverage or activate my authority?
No. Coverage, effective dates, payment requirements, and any insurance filings must be confirmed separately. A quote request is not an insurance binder.
Review Your Trucking Coverage with Insurance Plus
Solo owner-operator, two-driver team, or larger business: tell us about your operation and the coverage you need.
Coverage descriptions are general. Availability, eligibility, limits, exclusions, and terms vary by insurer and risk. A quote request does not bind or change coverage.