Truck Insurance Requirements in Texas: What Every Owner-Operator Should Know

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As an owner-operator in the trucking industry, ensuring the safety and protection of your business is of utmost importance. One crucial aspect of this is having the right truck insurance coverage in place. Texas has specific requirements for truck insurance, and as the owner of Insure HTX, an insurance broker in the greater Houston area, I am here to guide you through the necessary steps to protect your assets.

First and foremost, let's discuss the minimum truck insurance requirements in Texas. According to the Texas Department of Motor Vehicles, all commercial vehicles must have liability insurance with minimum coverage of $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. This coverage is intended to protect you in the event of an accident where you are at fault and held liable for damages. When it comes to trucking, the minimum is $750K Combined Single Limit (CSL). When we do the state filing for you, that is the minimum needed.

However, these minimum requirements may not be enough to fully protect your business. That's where additional coverage options come into play. As an owner-operator, you are responsible for not only the operation of your truck but also the cargo you are hauling. That's why it is crucial to have cargo insurance in place to protect against any damage or loss of goods. In addition, physical damage coverage can provide protection for your truck in the event of an accident, theft, or natural disaster.

Now, let's talk about the surrounding cities that Insure HTX serves – Humble, Kingwood, Conroe, The Woodlands, and Spring. These areas are all part of the greater Houston area and are home to many businesses in the trucking industry. As a local insurance broker, I understand the unique needs and challenges of trucking businesses in these cities. That's why I am dedicated to providing personalized insurance solutions tailored to each client's specific needs.

At Insure HTX, we go beyond just meeting the minimum insurance requirements. We work with a variety of insurance carriers to offer customized coverage options that fit your budget and provide comprehensive protection for your business. Our team of experienced agents will work with you to understand your business operations and recommend the right coverage options for your specific needs.

If you are an owner-operator in the greater Houston area, it's time to review your current truck insurance coverage. We encourage you to take advantage of our free insurance review and let our team at Insure HTX ensure you have the right coverage in place. Don't wait until it's too late and risk facing significant financial losses. Contact us today to get a quote or schedule a review of your current insurance policy.

In conclusion, as an owner-operator in Texas, it is crucial to have the right truck insurance coverage in place to protect your business and assets. Insure HTX, your local insurance broker in the greater Houston area, is here to help guide you through the process and provide personalized insurance solutions tailored to your needs. Don't wait any longer – contact us today to ensure your business is adequately protected.

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