Texas Truck Insurance


TX License #: 1800012486


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Texas Trucking Insurance

Just as important as the wheels on your truck and the seatbelts in the cabin is the insurance keeping you, your drivers, and your cargo protected. According to the FMCSA, the “number of large trucks and buses in fatal crashes [in 2018] increased by 48 percent from its low of 3,432 in 2009.” So finding the right insurance for your truck or fleet has never been more important, even as insurance rates continue to rise.

No matter where you drive, insurance is vital. But every state comes with its own specifications and considerations. Let’s review why you need Texas truck insurance and why you should use an independent insurance agent when protecting your trucks.


Why do I need Texas Truck Insurance?


  • Truck Liability Coverage

    In any state, your trucks must have liability coverage—i.e., coverage for injuries or damages sustained by other drivers and vehicles involved in accidents. In Texas, your minimum liability coverage depends on what you’re driving and where you’re going. For example, a truck weighing 26,000 pounds or less that is transporting household goods within Texas requires at least $300,000 of coverage. On the other hand, if the truck weighs over 10,000 pounds and drives out of state, you must have at least $750,000 in coverage. Even if the law didn’t require you to be covered, remember this: liability insurance is vital for protecting yourself and your drivers. No one wants to face a lawsuit alone—it’s always best to take some protection wherever you go.

  • Physical Damage Coverage

    Physical damage coverage, on the other hand, is not mandated by law. However, accidents involving trucks get expensive quickly—according to the FMCSA, “the average cost of all large truck crashes is about $91,000 per crash,” and reaches nearly $200,000 when involving in injuries—so you’ll want to be covered regardless.

  • Motor Truck Cargo

    Motor truck cargo insurance is needed by for-hire truckers to properly cover the commodities they are hauling. It is generally required by the party who owns the product being transported. This ensures that if their goods are damaged or stolen while in transit, their assets will be covered. Depending on the cargo that is in transport by your big rig, you may need specific endorsements. For example, if you transport refrigerated goods, you will need to make sure you have “reefer breakdown” coverage. This might cover a $50,000 load of ice cream when the reefer unit breaks down on I-10. Of any line of 18-wheeler insurance, cargo insurance is the one you need to understand and pay attention to the most. You usually get what you pay for, and some carriers will make a long list of exclusions that specifically exclude coverage for certain events.

  • Truckers General Liability

    This coverage can be a bit more confusing, but here is the simplest way to understand it: Truckers general liability is designed to protect your business from damage that might occur when you are not behind the wheel of your truck. Your auto liability coverage would cover your business when you are driving. If you have other aspects of your business—such as a quarry or a consolidation warehouse—you will need a more robust general liability insurance policy that considers exposures outside the realm of trucking.


Why Should I use an Independent Insurance Agent?

Find Insurance Programs Specific to Your Needs

Rather than try to make a generic insurance policy fit your specific needs, find a program that already caters to the types of trucks your business uses. For example, TIS specializes in the trucking niche and provides market access to numerous specialty truck insurance programs, including programs for the following:

  • General freight
  • Refrigerated goods
  • Dry van
  • Flatbed
  • Dump trucks
  • Towing
  • Auto haulers
  • Intermodal containers
  • Hazmat

Instant Certificates of Insurance with our Mobile App

If you knew exactly when or where you would need insurance, you likely wouldn’t need insurance at all. When the unexpected happens and you need to prove your policy, the last thing you want is to be waiting for an insurance agent to return your call or get back into the office. For our part, TIS is available 24/7 to issue your certificate of insurance through our mobile app. Regardless of where you or your drivers may go, we’re right there with you for every mile of your journey.

Get Assistance with your Trucking Permits & Filings

With so many laws and regulations, ensuring you stay compliant can be tricky—but not staying compliant can be expensive. For example, it may sometimes be necessary to drive with a load exceeding weight limits, but driving without the necessary permits to do so can result in a hefty fine. In Texas, not only is the driver liable, but also the party responsible for overloading the vehicle.

The right agent won’t only make sure you’re insured but will also help you keep all of your permits up to date. At TIS, our permit department is well versed in all of the permits and regulations in Texas, and we are constantly watching the ever-changing system for updates that might trip you up. We ensure our clients have all of the necessary truck permits and keep you informed of all changes made to laws and regulations.

As an independent brokerage, TIS has access to nearly every carrier under the sun. No matter what kind of truck you’re driving, we can partner you with the carrier right for your business. Contact us today to learn more.


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Here is what Our Happy Customers have to say


Selene did outstanding work for me. I went from having a massive insurance renewal rate that would just about put me out of business and signing on with Selene and she got my rates dropped big time. Now with the rates she got me, my company can continue to move forward and build it as a family trucking company.
Don J.

Liz is awesome. She is my go to when I have any questions or concerns in the trucking industry in regards to insurance or compliance questions. She is always accurate and honest and when she isn’t sure she reaches out to get me the right answers
Alex Arreguin

Where do I begin? Renee Ula and the staff are amazing! Anytime my wife calls in to get help, they are quick to help. We communicate with Renee directly and whenever she is busy or not available, she makes sure to quickly get back to us. Being a truck driver, a lot of paperwork comes up last minute and we have to get it done ASAP. With just a quick email or call she helps us fast. She always makes sure to explain our options and helps us get whatever we need done ASAP.
Behran Amiran