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