Commercial Trucking Auto Insurance Types in Texas

As a trucker, you are responsible for hauling goods in your own truck for your company or an employer. Whether you’re working in construction, excavation, manufacturing, general freight, steel industry, auto transport or any other private carrier capacity. Look no more! Serving Houston, Dallas, Fort Worth, Austin, El Paso, San Antonio, Plano, Amarillo, Galveston, Waco, Corpus Christi, Brownsville and all throughout State of Texas.

We have Texas truck insurance solution for you and that might consist of the following:

PRIMARY LIABILITY – Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage ( Limits of liability may vary from $100,000 to $1,000,000 ) on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

CARGO INSURANCE – Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

PHYSICAL DAMAGE (Collision, Specified Perils) – Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

General Liability or in some cases OCCUPATIONAL ACCIDENT (Occ/Acc) – Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.

DESCRIPTION of Commercial Trucks and Truckers Categories Include:

• Construction Vehicles
Examples: Boom trucks, mobile truck cranes, cement pumpers, dump trucks, service trucks, fuel trucks, water trucks

• Delivery Vehicles
Examples: Delivery vehicles for flowers, packages, auto parts, furniture, U.S. mail, pizza, food, other manufactured goods

• Drive-away Contractor Vehicles
Examples: Registration plates, transporter tags, named operators

• Driver Training Vehicles
Examples: Sedans, trucks, tractor/trailers

• Dump Trucks
Examples: Dump trucks used by contractors and aggregate haulers

• Hazardous Commodity Haulers
Examples: Trucks hauling fuel oil, propane, gasoline and other chemicals (some exclusions exist)

• Non-trucking Liability
Examples: Bobtail/deadhead contingent liability

• Tankers
Examples: Water trucks, fuel trucks, trucks hauling liquid asphalt and other chemicals (some exclusions exist)

• Tow Trucks
Examples: Wreckers and rollbacks for repair shops, car dealerships, police rotation, repossessors, salvage yards

• Truckers
Examples: Car carriers, mobile home toters, other long haul trucks hauling goods for hire

Coverages:
Liability, Physical Damage, Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM), Medical Payments, Cargo, In-Tow