We have been offering Commercial Truck or Commercial Auto Insurance since 1988, we represent many major commercial insurance carriers so we can offer you the best rate possible. As a private 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. 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 $300,000 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.
Please take a moment to fill out the form below and one of our local insurance agents will contact you with a free, no-obligation quote. This information will be kept confidential and will be used for quote purposes only.