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Trucking Insurance Information

Trucking Insurance

Serving Texas Businesses Since 1999

Certain businesses require specialized insurance. If you own a truck or trucking company, auto insurance can be confusing. Luckily, there is insurance specifically for you. Texas is one of the top states for trucking, and it's important that each trucker and company has the right amount of ]insurance to protect against unique risks that trucks present. Since 1999, Consolidated Insurance Markets has served Texas clients with great auto insurance coverage. We understand Texas trucking needs and offer competitive rates and fantastic customer service.

Trucking Insurance Frequently Asked Questions

What does trucking insurance cover?

Some coverages that trucking insurance offers include:

  • Physical Damage: This insurance covers your truck and trailer from physical damage.
  • Liability: There are many liability options for trucking. Trucks can cause a lot of damage during an accident, so it's important to have a comprehensive amount of liability insurance. Truckers must carry primary auto liability, which covers third party injuries.
  • Non-Trucking Liability: This insurance provides compensation for accidents that occur while the driver and truck are not dispatched.
  • Non-Owned Trailer: If you borrow or rent a trailer, this coverage provides compensation if that trailer is lost or damaged.
  • Warehouse Legal: If the business owns warehouses, this insurance is important in compensating for lost or damaged goods within the warehouse after fire, theft or similar incidents.

Speak with an agent at Consolidated Insurance Markets about more coverage options for your truck.

How much does insurance cost for a trucking company?

Insuring trucks can be an expensive business. Trucking insurance for owner-operators can be anywhere from $3,000 to $5,000 a year per truck. This also depends on the insurance limits, number of trucks, weight of the trucks and type of cargo.

How much is insurance for an 18-wheeler?

An 18-wheeler is a heavy truck that presents high risk on the road. Owner operators may pay somewhere between $8,000-$12,000 in trucking insurance a year for an 18-wheeler.

How much is cargo insurance for truckers?

Cargo insurance averages around $400-$1,800 a year. This depends on the policy limit and the nature of the cargo. Volatile cargo will cost more to insure.

How much insurance does a trucking company need?

Trucking companies are required to have a certain amount of insurance coverage. In Texas, there are requirements for specific vehicles and cargo.

  • $300,000 in liability coverage for trucks carrying household goods
  • $500,000 in liability insurance for trucks carrying freight within Texas
  • $750,000 in liability insurance for trucks over 10,001 lbs.
  • $5,000,000 in liability insurance for trucks over 10,001 lbs. carrying hazardous materials
  • $1,500,000 in liability insurance for vehicles carrying 15 or less people
  • $5,000,000 in liability insurance for trucks carrying 16 or more people

Check with the Federal Motor Carrier Safety Administration (FMCSA) for additional requirements.

What is long haul trucking insurance?

Long haul trucking insurance is insurance specifically for trucks that travel long distances.

How does trucking insurance work?

Trucking insurance works essentially the same way as car insurance does. The insured (typically the businessowner) purchases trucking insurance for the fleet owned by the company and pays premiums for the insurance. Individual truckers may also choose to have their own trucking insurance policy.

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