Understanding Liability, Cargo, and Physical Damage Insurance for Texas Truckers

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Welcome to Insure HTX, your trusted insurance broker in the greater Houston area. As a trucker in Texas, it is important to understand the different types of insurance coverage available to protect yourself and your business. In this blog, we will explore liability, cargo, and physical damage insurance and how they apply to Texas truckers in cities like Humble, Kingwood, Conroe, The Woodlands, and Spring.

Liability Insurance

Liability insurance is a crucial type of coverage for truckers in Texas. It protects you in case of an accident where you are found at fault and liable for any injuries or property damage. In Texas, the minimum liability coverage required for commercial trucks is $750,000. However, it is always wise to carry higher limits to fully protect yourself and your business in the event of a lawsuit.

As an insurance broker, we understand the unique risks that Texas truckers face on the road. We can help you find the right liability coverage for your specific needs, whether you are a small business owner or an independent owner-operator.

Cargo Insurance

Cargo insurance is designed to protect the goods being transported by your truck. In Texas, truckers are required to have a minimum of $5,000 in cargo insurance per vehicle. This coverage is necessary to protect you in case of theft, damage, or loss of cargo. It is important to note that this type of insurance does not cover any damage to your truck or trailer.

At Insure HTX, we work with reputable insurance carriers to provide our clients with comprehensive cargo insurance that fits their budget and needs. We understand that your cargo is your livelihood, and we are here to make sure it is protected no matter where you are driving in Texas.

Physical Damage Insurance

Physical damage insurance is another crucial coverage for Texas truckers. It protects your truck and trailer in case of damage or loss due to accidents, theft, vandalism, or natural disasters. This coverage is not required by the state, but many truckers choose to carry it for peace of mind and to protect their valuable assets.

At Insure HTX, we offer physical damage insurance that covers the cost of repairs or replacement of your truck and trailer in case of a covered incident. We work with top-rated insurance carriers to provide our clients with the best coverage options at competitive rates.

Get a Quote or Review Your Current Insurance Coverage Today

As a local insurance broker in the Houston area, we understand the unique needs of Texas truckers. Our goal is to provide personalized and comprehensive insurance solutions to protect you and your business. Whether you are based in Humble, Kingwood, Conroe, The Woodlands, or Spring, we are here to help you understand your insurance options and find the best coverage for your specific needs.

Don't wait until it's too late. Contact us today to review your current insurance coverage or get a quote for your trucking business. Our experienced agents are ready to assist you and provide you with the peace of mind you deserve. At Insure HTX, we've got you covered.

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