Everything You Need to Know About Trucking Insurance in Texas

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​As the owner of Insure HTX, a top insurance broker in the greater Houston area, I understand the unique needs and challenges faced by trucking companies in Texas. With the bustling ports, busy highways, and growing economy, trucking is a vital industry in our state. However, with that comes a great responsibility to ensure the safety of your drivers, vehicles, and cargo. That's where trucking insurance comes in.

What is Trucking Insurance?

Trucking insurance is a specialized type of commercial insurance that provides coverage for trucks, trailers, and other vehicles used in the transportation of goods. It includes a variety of coverages such as liability, cargo, physical damage, and more, to protect your business in the event of an accident, theft, or other unforeseen events.

Why is it Important?

In Texas, commercial vehicles are required to carry a minimum amount of insurance coverage. However, that may not be enough to fully protect your business in case of a major accident. Trucking insurance provides additional coverage to ensure that your business is not financially devastated by a costly incident.

In addition, trucking insurance is not just about protecting your business assets. It also helps to protect your drivers and keep them safe on the road. With the high volume of traffic and long hours on the road, accidents can happen. Having the right insurance coverage can provide peace of mind for you and your drivers.

Coverage Options for Trucking Insurance

There are various coverage options available for trucking insurance in Texas. Here are some of the most common coverages that your business may need:

1. Liability Insurance - This coverage protects your business in case of bodily injury or property damage caused by your truck or driver.

2. Cargo Insurance - This coverage protects your cargo in case of theft, damage, or loss during transport.

3. Physical Damage Insurance - This coverage protects your vehicles in case of damage caused by accidents, theft, or vandalism.

4. Non-Trucking Liability Insurance - This coverage provides liability protection for your drivers when they are using their truck for non-work-related activities.

5. Bobtail Insurance - This coverage protects your vehicles when they are being driven without a trailer attached.

6. Workers' Compensation Insurance - This coverage provides benefits to your employees in case of work-related injuries or illnesses.

Get a Quote or Review Your Current Insurance

At Insure HTX, we understand that every trucking business is unique and has different insurance needs. That's why we offer personalized insurance solutions that are tailored to fit your specific requirements. Whether you are looking for a new policy or want to review your current insurance coverage, we are here to help.

Don't leave your business vulnerable to risks and uncertainties. Contact us today to get a quote or review your current insurance coverage. Our team of experienced agents will work with you to find the best trucking insurance options for your business. Protect your business and drivers with Insure HTX.

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