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

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As a business owner in the trucking industry, it's important to understand the truck insurance requirements in Texas. Whether you are an owner-operator or own a fleet of trucks, having the right insurance coverage is crucial to protect your business and your livelihood. At Insure HTX, we specialize in providing comprehensive insurance solutions for truckers in the greater Houston area, including surrounding cities such as Humble, Kingwood, Conroe, The Woodlands, and Spring. In this blog, we'll discuss the truck insurance requirements in Texas and why it's important for every owner-operator to be aware of them.

Commercial truck insurance is a specific type of insurance that is designed to protect trucking businesses from financial loss in the event of an accident or other incidents. In Texas, commercial truck insurance is required for all trucks and trailers that are registered with the state. This includes both intrastate and interstate trucking operations. The minimum liability coverage required by the state is $750,000, but depending on the type of cargo you carry, you may need higher coverage limits. For example, hazardous materials require a minimum of $5 million in liability coverage.

It's also important to note that if you are an owner-operator, you are responsible for obtaining your own insurance coverage. This means that even if you are leased onto a motor carrier, you still need to have your own insurance policy. The motor carrier's insurance will only cover their liability, not yours. It's crucial to have your own insurance to protect yourself and your business in case of an accident.

In addition to liability coverage, there are other types of coverage that are important for trucking businesses to consider. These include physical damage coverage, cargo insurance, and bobtail/non-trucking liability insurance. Physical damage coverage protects your truck in case of damage or theft, while cargo insurance protects the goods you are hauling. Bobtail/non-trucking liability insurance covers you when you are driving your truck for non-business purposes, such as personal use.

At Insure HTX, we understand that every trucking business is unique and has different insurance needs. That's why we work with a variety of insurance carriers to provide customized insurance solutions for our clients. We'll work with you to assess your specific risks and make sure you have the right coverage to protect your business.

As a local insurance broker in the greater Houston area, we have a deep understanding of the trucking industry in this region. We know the roads, the regulations, and the risks that truckers face on a daily basis. Our team is dedicated to helping truckers in Humble, Kingwood, Conroe, The Woodlands, and Spring get the insurance coverage they need to protect their business and their livelihood.

If you're an owner-operator in the greater Houston area, it's important to review your current insurance coverage and make sure it meets the state's requirements. At Insure HTX, we can help you with that. Our experienced agents will review your policy and make sure you have the right coverage at the best possible price. We also offer free insurance quotes, so you can see how much you can save by switching to Insure HTX.

Don't wait until it's too late. Contact us today to review your current insurance coverage or to get a free quote. Let Insure HTX be your trusted insurance partner and help protect your trucking business in Texas.

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