Review insurance for Texas trucking operations, from owner-operators leased to a carrier to businesses operating under their own authority. Tell us what you haul, where you travel and what your contracts require.
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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.
Explain how you operate so we can review the appropriate coverage and filing questions.
These arrangements can create different insurance responsibilities. A business operating under its own authority should review the coverage and filings required for its operation. An owner-operator leased to a carrier should examine the lease and the carrier’s insurance arrangements before choosing separate coverage. Private carriers hauling their own goods also need a review suited to their use. Do not assume the carrier’s policy protects every truck, trailer or activity.
Share your authority status, cargo, operating area, vehicles, claims and required coverage. Include any carrier lease or shipper requirements.
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These arrangements can create different insurance responsibilities. A business operating under its own authority should review the coverage and filings required for its operation. An owner-operator leased to a carrier should examine the lease and the carrier’s insurance arrangements before choosing separate coverage. Private carriers hauling their own goods also need a review suited to their use. Do not assume the carrier’s policy protects every truck, trailer or activity.
Trucking auto liability addresses covered injury or property damage caused through vehicle use. Trucking general liability addresses a different set of business exposures and is not a substitute for auto liability. Shippers and brokers may request limits above a regulatory minimum. Share the contract and the kind of freight you haul so we can review the requested coverage and any restrictions.
Comprehensive and collision coverage can protect insured vehicles against covered physical losses, subject to valuation, deductibles and policy terms. Provide truck and trailer types, values, ownership and financing requirements. Liability coverage alone does not pay for damage to your own truck. Towing, downtime and other expenses should be discussed separately rather than assumed to be included.
Motor truck cargo coverage concerns goods entrusted to you for transportation. Cargo type, maximum load value, refrigeration, theft conditions and handling can affect the coverage available. Trailer interchange or non-owned trailer coverage concerns a trailer belonging to someone else and should be reviewed against your written agreement. Neither cargo protection nor trailer coverage automatically follows from carrying trucking auto liability.
Non-trucking liability may be relevant to eligible leased owner-operators using a truck for personal purposes. It is not a general replacement for liability during business operations. Dispatch status, lease responsibilities and policy definitions matter. Explain your arrangement and how the truck is used so the agency can review whether the requested coverage fits.
Insurance filings and a certificate of insurance serve different purposes. Requirements depend on authority, operations, vehicle characteristics and cargo. Not every carrier has the same cargo filing obligation: federal cargo filing requirements apply to household goods carriers and certain freight forwarders. Texas intrastate registration has its own requirements. Confirm the applicable rules with the regulator and review needed filings with your insurer before operating.
Insurers may consider operating radius, cargo, authority history, driver experience and records, truck values, claims and requested limits. New authority, refrigerated freight, hazardous materials and cross-border operations need specific disclosure. Give accurate estimates in the initial request; the agency may request vehicle schedules, driver information or loss runs later. A preliminary request is not an insurance binder or confirmation that authority is active.
No VINs, driver’s license numbers or dates of birth are required in the initial form.
Review the rules that apply to your operation with the regulator and your insurer.
Review other coverage relevant to your business.
Review coverage for your business operations.
Review the statewide contractor coverage overview.
Request coverage for a business building or contents.
Coverage descriptions are general. Availability, limits, exclusions and eligibility depend on the insurer and policy. A quote request does not bind coverage.
Common questions about coverage and insurance requirements.
Not automatically. Cargo coverage should be reviewed separately for your freight and contractual obligations.
No. Federal cargo filing requirements vary by operation; household goods carriers have specific requirements. Check the FMCSA guidance for your authority.
Yes. Tell us about your carrier lease and the coverage responsibilities it assigns.
No. Coverage and any required filings must be confirmed separately before you rely on them.
Share your operations and coverage needs online or call our Dallas office.