Commercial Truck Insurance in Texas

Everything’s bigger in Texas! If your business is based in the Lonestar State, you have a lot of ground to cover. That’s why you need insurance you can count on. Don’t waste your time with companies that will dodge you when you’re in a pinch. At American Insurance Brokers, we provide top-notch service by matching you with the best commercial truck insurance in Texas. Our team has been serving fleets large and small since 1980, which is why we’re your first choice.

What are the benefits of Texas commercial truck insurance?

 

Texas is a special place. While it’s true that you’ll find plenty of wide-open space, it is also home to some of the biggest cities in the U.S. From Dallas all the way down to Houston and San Antonio, there is so much opportunity for the trucking business.

Unfortunately, the great state of Texas is still improving infrastructure to manage population growth. That means the main thoroughfares can be troublesome. In 2018, there were 20,401 crashes along I-35 in Texas, which resulted in 153 deaths and 471 serious injuries. When it comes to trucks, the statistics are even more grim. That same year, Texas had the highest number of large trucks involved in fatal crashes at 658.

This data underscores the importance of having robust and comprehensive commercial truck insurance in Texas. Even if you’re an independent worker, your personal auto insurance doesn’t provide the coverage to protect you and your business. In fact, many companies will cancel your policy if you are using the vehicle for business purposes. If you have employees, Texas commercial truck insurance covers your workers when they’re driving your vehicles.

Traveling outside of Texas to neighboring states (or perhaps across the country)? Not a problem either. The team at American Insurance Brokers will get you the coverage you need to give you peace of mind, no matter where your business takes you.

Ready to get started? Contact us today to learn more!

What does commercial truck insurance in Texas cover?

 

Your cargo, typical route, and many other factors will affect the coverages you need. These are some of the different types you’ll find in our commercial truck insurance Texas policies:

  • Commercial auto liability: This type of insurance generally covers injuries to other people or damage to property if you’re at fault for an accident. It may also pay for your legal defense costs in the case of a lawsuit.
  • Physical damage: Physical damage is a general term for a group of insurance coverages that protect your truck or other commercial vehicles. This covers collision insurance, as well as your choice of full comprehensive insurance or fire and theft with combined additional coverage (CAC) insurance.
  • Medical payments coverage: Also known as MedPay coverage, this can cover medical expenses for you and any passengers in your vehicle who are hurt during an accident. This is regardless of who caused the accident.
  • Uninsured motorist insurance: This type of insurance usually contains three separate insurance coverages that are categorized together. They generally protect you if you’re involved in an accident with someone who is either uninsured or underinsured.
  • Trailer interchange insurance: This type of physical damage insurance is important for trailers being pulled under a trailer interchange agreement. This insurance protects you financially if the trailer is damaged by collision, fire, theft, explosion, or vandalism.
  • Non-trucking liability insurance: When you’re under permanent lease to a motor carrier and you’re not driving under dispatch, non-trucking liability insurance can provide the truck insurance coverage you need at an unlimited radius.
  • Motor truck cargo insurance: For-hire truckers usually need this type of insurance to cover liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.
  • Motor truck general liability: For-hire truckers or motor carriers require this type of coverage for injuries or property damage resulting from business activities unrelated to their core operations.
  • Garage keeper’s legal liability insurance: This type of insurance will pay to repair or replace a vehicle you don’t own if it is damaged by a collision, fire, theft, explosion, or vandalism while you are towing or hauling.
  • Storage location insurance: This provides protection for business owners who offer towing services or operate service stations. It protects a customer’s vehicle when you are keeping it at a covered location for parking, storing, or to perform service.
  • Workers’ compensation insurance: Workers’ compensation insurance, also known as workers’ comp, is a mandatory type of insurance carried by a range of different businesses. It can cover medical costs and a portion of lost wages for an employee who is hurt on the job. It also protects companies from lawsuits related to workplace conditions.

How commercial truck insurance works

 

When you’re managing a business, you don’t have time for red tape. That’s why we make it easy to obtain commercial truck insurance in Texas.

When you trust American Insurance Brokers, you get a comprehensive and customizable policy to suit your needs. Our experts can show you how much you need to protect against property damage, liability, medical payments, and even coverage to replace cargo in the event of an accident. Are you managing a large fleet with employees? Sit down with us and we’ll figure out how much insurance you need to protect your workers.

 

What types of vehicles does American Insurance Brokers cover?

 

There are a range of trucks taking to the roads of Texas. Whether you’re using a fleet to transport food items or working on highway construction, American Insurance Brokers can help.

Our portfolio includes:

  • Tractor-trailers
  • Dump trucks
  • Straight trucks
  • Tow trucks
  • Tank trucks
  • Box trucks
  • Moving trucks
  • Flatbed trucks

Don’t see your commercial truck on this list? Don’t worry! We understand the unique complexities of the trucking business and cover a variety of other vehicles. Get in touch with us to find out more about how we can serve you.

 

States served

 

Our agents at American Insurance Brokers understand the demands of the southeastern trucking industry. We proudly serve clients in the following states.

 

Regulatory filings

 

There are many important aspects of commercial truck insurance requirements, but regulatory filings may be at the top of your priority list, and the task you dread most. When you work with American Insurance Brokers, you can rest assured knowing you’re always in compliance. You can count on us to handle or facilitate the following regulatory filings:

  • FMCSA: Filings for the Federal Motor Carrier Safety Administration
  • MCS90: States that the driver will have access to a minimum amount of money to pay for injuries in the event of an accident
  • BMC34: For cargo liability coverage
  • BMC91-X: Public liability insurance (bodily injury/property damage/environmental restoration)
  • Form E: Demonstrates that drivers carry the minimum insurance requirement for Texas
  • Form H: Confirms that drivers carry the minimum cargo liability insurance requirement for Texas
  • OS/OW COI: Proves that drivers have sufficient liability insurance to operate oversize or overweight vehicles
  • SR22: Shows that drivers have filed minimum liability insurance with the Texas motor vehicles department

Every business is unique. Where you travel and what you’re hauling (if anything) will have an influence on your filing requirements. You can trust our team to closely examine your needs to ensure accuracy.

 

An annual review

 

At American Insurance Brokers, we believe it’s important to have an annual review of your commercial truck insurance in Texas. This is an opportunity for us to make sure you’re getting the coverage you need at the right price. We provide free and thorough annual policy reviews for potentials.

Once you’re on board with our team, we’ll do this every year. During this type of review, we’ll typically look for three important factors. First, we want to see that your current plan has appropriately low deductibles and high limits. The amount you will have to pay before the insurance company makes any payment should be relatively low. When it comes to the absolute limit regarding what the insurance company will pay, the number should be considerably high.

Next, our team will check for compliance with all federal and state requirements. This has to do with the regulatory filings we previously discussed. While there are many forms to keep track of, your insurance company should always ensure that you’re up to date while enrolled in one of their policies.

Finally, we want to make sure you’re on board with a responsive insurance company. Did you get into an accident? If disaster strikes, it’s important to have a team who will work tirelessly to get you back on the road. We work with 35 “A” rated truck insurance companies to get you a competitive price and excellent customer service.

Your first choice in Texas

 

With more than 40 years of work in the Southeast, it’s no surprise that American Insurance Brokers is the first choice for Texas commercial truck insurance.

Our goal is to find our clients reliable policies at fair prices. You can trust that our knowledgeable team will walk with you through every detail of the process. Have a question? Just ask. What sets us apart is our ability to know what you need, why you need it, and when you need it.

Let our team of professionals at American Insurance Brokers go over your options and help you purchase the right amount of coverage for your needs. Contact us today to learn more about how we can help you stay safer on the road.