Texas Trucking Insurance Specialists
From owner-operators to full fleets, we understand the trucking industry. Serving Central Texas and surrounding communities since 1997.
Comprehensive Trucking Coverage
We work with specialized commercial trucking carriers to provide the right coverage for your operation.
Primary Liability
Required federal liability coverage for interstate trucking operations.
- FMCSA-compliant coverage
- $750K - $1M+ limits available
- BMC-91 filing included
- Interstate and intrastate
Motor Truck Cargo
Protect the goods you haul with comprehensive cargo coverage.
- Theft and damage coverage
- Refrigerated cargo (reefer)
- Hazmat cargo options
- Custom limits available
Physical Damage
Collision and comprehensive coverage for your trucks and trailers.
- New truck replacement
- Agreed value options
- Trailer coverage included
- Downtime coverage available
Non-Trucking Liability
Coverage when your truck is not under dispatch (bobtail).
- Personal use coverage
- Deadhead protection
- Affordable premiums
- Required by most carriers
General Liability
Protect your business from third-party claims and lawsuits.
- Slip and fall coverage
- Property damage
- Completed operations
- Products liability
Occupational Accident
Medical and disability coverage for owner-operators.
- Medical expense coverage
- Disability benefits
- Accidental death benefit
- Cheaper than workers comp
Who We Insure
We specialize in Texas-based trucking operations of all sizes across Central Texas and beyond.
Owner-Operators
Single truck operators hauling for carriers
Small Fleets
2-10 truck operations with their own authority
For-Hire Carriers
Freight haulers with FMCSA authority
Private Carriers
Companies hauling their own goods
Why Truckers Choose Texian
Central Texas Experts
We understand Texas trucking. Local highways, rural routes, and city streets—we know the territory.
Bilingual Service
Hablamos Español. Our team serves drivers in both English and Spanish.
Fast Certificates
Need your COI today? We provide same-day certificates for your broker or shipper.
Claims Advocacy
When you have a claim, we fight for you. We know trucking claims inside and out.
Get Your Trucking Quote
Tell us about your operation and we'll find you the best rates from our network of trucking specialists.
🇲🇽 Hablamos Español • Quick turnaround on quotes
Frequently Asked Questions
What liability limits do I need for trucking?
FMCSA requires minimum $750,000 for general freight haulers. Hazmat carriers need $1 million or $5 million depending on what you haul. Many shippers and brokers require $1 million regardless. We can help you determine the right limits for your operation.
How much does trucking insurance cost in Texas?
Trucking insurance varies widely based on your operation, experience, driving record, and what you haul. Owner-operators typically pay $8,000-$15,000/year for a full package. New ventures pay more. Call us for a personalized quote.
Do you insure new trucking ventures?
Yes! While new ventures pay higher premiums, we work with carriers who specialize in helping new owner-operators get started. We'll help you find affordable coverage while you build your experience.
What is a BMC-91 filing?
The BMC-91 (now MCS-90) is proof of insurance filed with the FMCSA. It's required for interstate trucking operations. When you get liability coverage through us, we handle the filing automatically.
Can you insure my leased-on drivers?
Absolutely. We can add owner-operators who lease onto your authority. We can also provide occupational accident coverage for your 1099 drivers who don't qualify for workers compensation.
Ready to Hit the Road with Better Coverage?
Our trucking specialists are standing by to get you the coverage you need.