Texas Commercial Truck Insurance

 

Why Commercial Truck Insurance Is a Must in Texas

With more than 1.7 lakh truck drivers in Texas and a high volume of freight moving across state lines, the need for reliable Texas truck insurance is greater than ever. The Federal Motor Carrier Safety Administration (FMCSA) and the Texas Department of Insurance (TDI) have strict insurance requirements that every motor carrier must meet. 

From liability insurance in Texas to cargo insurance and physical damage protection, truckers are required to carry policies that safeguard against property damage, bodily injury, and more.Operating without the proper commercial auto insurance can put your business at risk and prevent you from hauling legally.

 

Types of Commercial Truck Insurance 

We Provide We understand that no two trucking companies are alike. That’s why we offer comprehensive coverage for every type of operation, including:

Liability Insurance

Liability insurance is legally required and covers bodily injury and property damage if your truck causes an accident. It protects your business from third-party claims and ensures financial responsibility in case of legal action.

Physical Damage Insurance

Physical damage insurance safeguards your truck against losses from collisions, theft, vandalism, fire, and natural disasters. This coverage helps repair or replace your vehicle, protecting your investment from unexpected out-of-pocket expenses.

Cargo Insurance

Cargo insurance protects the freight you're hauling in case of loss, theft, or damage during transport. It's essential for meeting broker or shipper requirements and maintaining client trust across every haul.

General Liability Insurance

This coverage applies to incidents that occur off the road, like slip-and-fall accidents at your office or loading areas. General liability insurance shields your business from lawsuits and premises-related claims.

Non-Trucking Liability Insurance

Non-trucking liability insurance covers your truck when it's used for personal errands outside of dispatch. It's essential for owner-operators operating under lease and provides peace of mind during off-duty hours.

Trailer Interchange Insurance

Trailer interchange insurance covers physical damage to non-owned trailers used under a written agreement. If a trailer is damaged while in your possession, this policy helps pay for repair or replacement costs.

Garagekeepers Coverage

Garagekeepers insurance protects customer vehicles stored at your business location. It covers damage caused by fire, theft, vandalism, or collision while in your care, custody, or control, enhancing your professionalism.

Workers’ Compensation

This insurance is mandatory for most employers and covers medical costs and lost wages if an employee is injured on the job. It protects both your workforce and your company’s legal standing.

Intermodal Insurance

Intermodal insurance provides coverage for transporting freight via multiple carriers or modes, such as truck-to-ship or truck-to-rail. It ensures your business is protected from liability throughout complex logistics chains.

 

Affordable Truck Insurance for Every Size Operation

Looking for the cheapest commercial truck insurance in Texas without compromising on protection? We help small fleets and owner-operators access customized truck insurance plans at competitive rates. The average cost of commercial truck insurance in Texas typically ranges between $12,000 and $17,200 per year, depending on:

• Type of truck (e.g., box truck, semi-truck, tow truck)
   

• Cargo being transported
   

• Radius of operation (local, intermediate, or long-haul)
   

• Driving record and claims history
   

• Business experience and number of years in operation
   

We work with 5-star rated insurance providers to offer the best value, fast quotes, and reliable service for truckers across Texas.

Insurance Solutions for Owner-Operators and Fleets

If you’re an owner-operator or independent contractor, you face unique risks. From bobtail insurance to non-trucking liability, we make sure you’re covered on and off the clock. Our policies provide peace of mind when you're hauling freight or driving without a trailer.

For fleets, we handle everything from commercial auto insurance to multi-vehicle policies, helping you stay compliant with Texas insurance requirements and FMCSA standards. Whether you’re a new trucking business or a seasoned operator, we deliver the right protection at the right price.

Trucks We Insure Across Texas

We provide Texas commercial truck insurance for a wide range of vehicles, including:

• Semi-trucks

• Box trucks

• Dump trucks

• Tow trucks

• Hotshot trucks

• Auto haulers

• Reefer trucks

• Straight trucks
   

Each truck type comes with its own risk profile and coverage needs. Our team ensures you get the insurance you need for your specific equipment and operation.

 

Why Choose Thumann Agency for Commercial Truck Insurance in Texas?

Protecting your commercial fleet shouldn’t feel like a gamble; it should feel like a smart, secure investment. At Thumann Agency, we specialize in reliable commercial truck insurance in Texas that shields your vehicles, cargo, drivers, and liability risks. Here's why trucking businesses across Texas trust Thumann Agency for their coverage:

• Custom Coverage That Fits: Whether you operate a single truck or a large fleet, we offer tailored insurance solutions that fit your specific needs, not a one-size-fits-all policy.

• Texas Trucking Risk Know-How: From accidents to cargo damage and driver liability, we understand the unique challenges trucking businesses face in Texas.

• More Carriers, Smarter Options: With access to over 80 top insurance providers, we help you compare commercial truck insurance policies and find the best options for your business’s budget and needs.

• Proactive Risk Management: We don’t just offer insurance; we actively help identify and address potential risks in your operations before they lead to costly claims or legal issues.

• Built on Trust Since 1996: For nearly 30 years, Texas trucking businesses have relied on Thumann Agency to safeguard their fleets, assets, and bottom lines.

 

What our customers say

⭐⭐⭐⭐⭐  4.9 out of 5 based on 250+ reviews

Customers praise the Thumann Agency for its quick response times, money-saving results, and exceptional customer service. They mention receiving quotes within hours when other agencies couldn't deliver, and many report significant savings on their policies. Clients consistently highlight how the team makes insurance easy to understand and appreciate their honesty about rates and coverage options. Many are impressed with the comprehensive knowledge across both personal and business insurance needs.

 

FAQs About Commercial Truck Insurance in Texas

What’s the cheapest commercial truck insurance option for owner-operators?

Owner-operators can find affordable plans starting around $1,000/month, depending on radius, vehicle, and clean driving history.

Do I need cargo insurance in Texas?

Yes. If you’re hauling freight, cargo insurance is essential and often required by contracts and brokers.

Is physical damage insurance required?

Not by law, but it’s highly recommended to protect your vehicle investment from accidents or disasters.

Can I get coverage as a new trucking business?

Absolutely. We work with licensed Texas insurance agents who specialize in helping new ventures secure coverage.

What documents do I need to get insured?

Typically, you’ll need truck VIN, driver info, prior insurance history, and DOT authority (if applicable).

How does my driving record affect rates?

A clean record leads to lower premiums. Violations or claims can increase your insurance rates significantly.

What’s the difference between bobtail and non-trucking liability insurance?

Bobtail covers when you’re driving without a trailer, while non-trucking liability covers personal use not related to business.

Is general liability required for trucking companies?

Yes, especially if you have physical premises or interact with customers/vendors on-site.

Do I need special insurance for intermodal hauls or auto haulers?

Yes. Specialized coverages like intermodal insurance and auto hauler policies are designed to handle the extra risks.