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Explore your options for affordable TX Big Rig Semi coverage, TX box trucks as well as light delivery trucks or vans (855) 826-0321.
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Call us today to get complete Texas trucking for hire coverage as fast as possible 855-826-0321. Reliable and affordable all inclusive policies. Call us for you best rates for your for Texas commercial truck insurance. Count on us for delivering unparalleled customer service to meet your load hauling needs.
MOST REQUESTED COVERAGE’S
Motor Truck Cargo Coverage
Commercial General Liability
Personal Injury Protection (PIP)
What is Texas Commercial Big Rig Truck Insurance?
Texas commercial truck insurance is a type of insurance specifically designed for commercial trucks operating in Texas. It provides coverage for liability, physical damage, and cargo, as well as other options, to protect the truck and its owner from financial losses due to an accident, theft, or other unforeseen event. It is essential for business owners and operators of commercial trucks in Texas to have the proper coverage and understand the requirements for the state.
The Requirements for Texas Commercial Truck Insurance
In order to operate a commercial truck in Texas, the owner must have the proper insurance coverage. The state requires a minimum of liability coverage, as well as coverage for physical damage, cargo, and uninsured/underinsured motorist coverage.
Texas requires commercial truck owners to have a minimum of $500,000 in liability coverage. This coverage can be provided through a primary insurance carrier or a secondary carrier, such as a non-trucking liability policy or a bobtail liability policy. This coverage protects the owner of the truck and their business from financial losses due to an accident involving the truck.
Physical Damage Coverage
Physical damage coverage is also required for commercial trucks in Texas. This coverage protects the truck from physical damage due to an accident, theft, or other unforeseen event. The minimum coverage required is $25,000 for collision and $25,000 for comprehensive coverage.
Cargo coverage is also required for commercial trucks in Texas. This coverage protects the cargo being transported in the truck in the event of an accident or other covered event. The minimum coverage amount is $100,000.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is also required for commercial trucks in Texas. This coverage provides the truck and its owner with financial protection in the event of an accident caused by an uninsured or underinsured driver. The minimum coverage amount is $25,000 per person and $50,000 per accident.
Additional Coverage Options
While the above coverage types are required, there are also additional coverage options available. These include:
• Non-Trucking Liability: This coverage provides protection for the owner of the truck when the truck is not being used for commercial purposes.
• Bobtail Liability: This coverage provides protection for the owner of the truck when the truck is being used for personal purposes.
• Hired Auto Liability: This coverage provides protection for the owner of the truck when the truck is being used to transport other people or their property.
• Motor Truck Cargo: This coverage provides protection for the cargo being transported in the truck in the event of an accident or other covered event.
• Occupational Accident: This coverage provides protection for the owner of the truck if they are injured while working with the truck.
• Physical Damage: This coverage provides protection for the truck from physical damage due to an accident, theft, or other unforeseen event.
• Trailer Interchange: This coverage provides protection for the owner of the truck if the trailer being used is damaged or stolen.
• Trailer Insurance: This coverage provides protection for the trailer being used in the event of an accident or other covered event.
• Workers’ Compensation: This coverage provides protection for the owner of the truck in the event of an employee injury while working with the truck.
Texas commercial truck insurance is essential for business owners and operators of commercial trucks in the state. It provides protection for the truck and its owner from financial losses due to an accident, theft, or other unforeseen event. The state requires a minimum of liability coverage, as well as coverage for physical damage, cargo, and uninsured/underinsured motorist coverage. Additionally, there are several other coverage options available for those who wish to further protect their truck and their business. It is important for truck owners and operators to understand the requirements for Texas commercial truck insurance and ensure that they have the proper coverage in place.
Below are the classifications of commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for Texas Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following Texas business types.
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
Texas Heavy Construction Contractors-
SIC Code-1622-Bridge, tunnel, & elevated highway construction
SIC Code-1629-Heavy construction
SIC Code-1611-Highway & street construction
SIC Code-1623-Water, sewer, & utility lines
Texas Petroleum & Coal Products-
SIC Code-2952-Asphalt felts & coatings
SIC Code-2951-Asphalt paving mixtures & blocks
SIC Code-2992-Lubricating oils & greases
SIC Code-2999-Petroleum & coal products
SIC Code-2911-Petroleum refining
Texas Special Trade Contractors-
SIC Code-1751-Carpentry work
SIC Code-1771-Concrete work
SIC Code-1731-Electrical work
SIC Code-1794-Excavation work
SIC Code-1752-Floor laying & floor work
SIC Code-1793-Glass & glazing work
SIC Code-1796-Installing building equipment
SIC Code-1741-Masonry & other stone work
SIC Code-1721-Painting & paper hanging
SIC Code-1742-Plastering, drywall, & insulation
SIC Code-1711-Plumbing, heating, air-conditioning
SIC Code-1761-Roofing, siding, & sheet metal work
SIC Code-1799-Special trade contractors
SIC Code-1791-Structural steel erection
SIC Code-1743-Terrazzo, tile, marble, mosaic work
SIC Code-1781-Water well drilling
SIC Code-1795-Wrecking & demolition work
Texas Transportation Equipment-
SIC Code-3724-Aircraft engines & engine parts
SIC Code-3728-Aircraft parts & equipment
SIC Code-3732-Boat building & repairing
SIC Code-3761-Guided missiles & space vehicles
SIC Code-3751-Motorcycles, bicycles, & parts
SIC Code-3716-Motor homes
SIC Code-3714-Motor vehicle parts & accessories
SIC Code-3711-Motor vehicles & car bodies
SIC Code-3743-Railroad equipment
SIC Code-3731-Ship building & repairing
SIC Code-3764-Space propulsion units & parts
SIC Code-3769-Space vehicle equipment
SIC Code-3795-Tanks & tank components
SIC Code-3799-Transportation equipment
SIC Code-3792-Travel trailers & campers
SIC Code-3713-Truck & bus bodies
SIC Code-3715-Truck trailers
Texas Big Rig Insurance Transportation Services-
SIC Code-4731-Freight transportation arrangement
SIC Code-4785-Inspection & fixed facilities
SIC Code-4783-Packing & crating
SIC Code-4729-Passenger transport arrangement
SIC Code-4741-Rental of railroad cars
SIC Code-4725-Tour operators
SIC Code-4789-Transportation services
SIC Code-4724-Travel agencies
Texas Big Rig Insurance for Trucking & Warehousing-
SIC Code-4215-Courier services, except by air
SIC Code-4221-Farm product warehousing & storage
SIC Code-4225-General warehousing & storage
SIC Code-4212-Local trucking, without storage
SIC Code-4214-Local trucking with storage
SIC Code-4222-Refrigerated warehousing & storage
SIC Code-4226-Special warehousing & storage
SIC Code-4213-Trucking, except local
SIC Code-4231-Trucking terminal facilities
Texas Wholesale Trade – Nondurable Goods-
SIC Code-5181-Beer & ale
SIC Code-5192-Books, periodicals, & newspapers
SIC Code-5169-Chemicals & allied products
SIC Code-5143-Dairy products, exc. dried or canned
SIC Code-5122-Drugs, proprietaries, & sundries
SIC Code-5159-Farm-product raw materials
SIC Code-5191-Farm supplies
SIC Code-5146-Fish & seafood’s
SIC Code-5193-Flowers & florists’ supplies
SIC Code-5148-Fresh fruits & vegetables
SIC Code-5153-Grain & field beans
SIC Code-5149-Groceries & related products
SIC Code-5141-Groceries, general line
SIC Code-5113-Industrial & personal service paper
SIC Code-5147-Meats & meat products
SIC Code-5136-Men’s & boys’ clothing
SIC Code-5199-Nondurable goods
SIC Code-5142-Packaged frozen foods
SIC Code-5198-Paints, varnishes, & supplies
SIC Code-5171-Petroleum bulk stations & terminals
SIC Code-5172-Petroleum products
SIC Code-5131-Piece goods & notions
SIC Code-5162-Plastics materials & basic shapes
SIC Code-5144-Poultry & poultry products
SIC Code-5111-Printing & writing paper
SIC Code-5112-Stationery & office supplies
SIC Code-5194-Tobacco & tobacco products
SIC Code-5182-Wine & distilled beverages
SIC Code-5137-Women’s & children’s clothing
Is your Texas commercial trucking for hire operation ready to haul loads?
To check whether your FMCSA operating authority has been issued(granted) or not do this,
- Go to the SAFER website
- See bold heading “FMCSA Searches”
- Click on “Licensing & Insurance”
- Enter MC Number or USDOT Number in the appropriate box and click “search”
- Click “HTML”
- Scroll to bottom and click on “Authority History.” This page will display the granted date of the operating authority
- You may also want to check any state filings needed at TXDMV.
We offer expert help and quality big rig insurance in the following counties in TX.
Anderson County, Andrews County, Angelina County, Aransas County, Archer County, Armstrong County, Atascosa County, Austin County, Bailey County, Bandera County, Bastrop County, Baylor County, Bee County, Bell County, Bexar County, Blanco County, Borden County, Bosque County, Bowie County, Brazoria County, Brazos County, Brewster County, Briscoe County, Brooks County, Brown County, Burleson County, Burnet County, Caldwell County, Calhoun County, Callahan County, Cameron County, Camp County, Carson County, Cass County, Castro County, Chambers County, Cherokee County, Childress County, Clay County, Cochran County, Coke County, Coleman County, Collin County, Collingsworth County, Colorado County, Comal County, Comanche County, Concho County, Cooke County, Coryell County, Cottle County, Crane County, Crockett County, Crosby County, Culberson County, Dallam County, Dallas County, Dawson County, De Witt County, Deaf Smith County, Delta County, Denton County, Dickens County, Dimmit County, DOnley County, Duval County, Eastland County, Ector County, Edwards County, El Paso County, Ellis County, Erath County, Falls County, Fannin County, Fayette County, Fisher County, Floyd County, Foard County, Fort Bend County, Franklin County, Freestone County, Frio County, Gaines County, Galveston County, Garza County, Gillespie County, Glasscock County, Goliad County, Gonzales County, Gray County, Grayson County, Gregg County, Grimes County, Guadalupe County, Hale County, Hall County, Hamilton County, Hansford County, Hardeman County, Hardin County, Harris County, Harrison County, Hartley County, Haskell County, Hays County, Hemphill County, Henderson County, Hidalgo County, Hill County, Hockley County, Hood County, Hopkins County, Houston County, Howard County, Hudspeth County, Hunt County, Hutchinson County, Irion County, Jack County, Jackson County, Jasper County, Jeff Davis County, Jefferson County, Jim Hogg County, Jim Wells County, Johnson County, Jones County, Karnes County, Kaufman County, Kendall County, Kenedy County, Kent County, Kerr County, Kimble County, King County, Kinney County, Kleberg County, Knox County, La Salle County, Lamar County, Lamb County, Lampasas County, Lavaca County, Lee County, Leon County, Liberty County, Limestone County, Lipscomb County, Live Oak County, Llano County, Loving County, Lubbock County, Lynn County, Madison County, Marion County, Martin County, Mason County, Matagorda County, Maverick County, McCulloch County, McLennan County, McMullen County, Medina County, Menard County, Midland County, Milam County, Mills County, Mitchell County, Montague County, Montgomery County, Moore County, Morris County, Motley County, Nacogdoches County, Navarro County, Newton County, Nolan County, Nueces County, Ochiltree County, Oldham County, Orange County, Palo Pinto County, Panola County, Parker County, Parmer County, Pecos County, Polk County, Potter County, Presidio County, Rains County, Randall County, Reagan County, Real County, Red River County, Reeves County, Refugio County, Roberts County, Robertson County, Rockwall County, Runnels County, Rusk County, Sabine County, San Augustine County, San Jacinto County, San Patricio County, San Saba County, Schleicher County, Scurry County, Shackelford County, Shelby County, Sherman County, Smith County, Somervell County, Starr County, Stephens County, Sterling County, Stonewall County, Sutton County, Swisher County, Tarrant County, Taylor County, Terrell County, Terry County, Throckmorton County, Titus County, Tom Green County, Travis County, Trinity County, Tyler County, Upshur County, Upton County, Uvalde County, Val Verde County, Van Zandt County, Victoria County, Walker County, Waller County, Ward County, Washington County, Webb County, Wharton County, Wheeler County, Wichita County, Wilbarger County, Willacy County, Williamson County, Wilson County, Winkler County, Wise County, Wood County, Yoakum County, Young County, Zapata County, Zavala County,