Commercial Trucking Insurance Texas
Fleet & For-Hire Trucking Coverage for Texas Carriers
Commercial Trucking Insurance for Texas Fleets
Texas is America's trucking hub. Whether you operate a for-hire fleet, manage private carrier vehicles, or run specialized trucking operations, TAP Insurance Texas delivers the comprehensive coverage you need. We specialize in DOT and MC requirements, CSA score management, and the complex liability exposures of commercial trucking. From single-truck owner-operators to large fleets operating across the DFW logistics corridor and beyond, we have the experience to protect your business.
Coverage Types for Commercial Trucking
Primary Liability
Federal motor carrier liability meeting FMCSA minimums ($750K-$5M+ depending on cargo), covering bodily injury and property damage.
Cargo Insurance
Full cargo protection for goods in transit, with options for specific commodity coverage and higher limits.
Physical Damage
Comprehensive and collision coverage for trucks, trailers, and equipment at competitive fleet rates.
Bobtail Coverage
Liability protection when operating your tractor without a trailer, especially important for lease agreements.
Workers Compensation
Mandatory coverage for all employees, with fleet-based rating that rewards safe operations.
General Liability
Protection for non-vehicle-related claims at your terminals, warehouses, or business facilities.
Trailer Interchange
Coverage for liability when you're using trailers you don't own, common in fleet operations.
Non-Trucking Liability
Protection for owner-operators when using their personal vehicle off-duty, covering the coverage gap.
Why Commercial Truckers Choose TAP Insurance Texas
DOT/MC Expertise: We navigate federal motor carrier requirements, MC number insurance, and FMCSA compliance so you can focus on your business.
CSA Score Advantage: Our underwriters understand Compliance, Safety & Accountability (CSA) scoring and help manage fleet safety to reduce claims and improve rates.
Fleet Management Integration: We work with your fleet safety programs, driver training records, and maintenance logs to optimize your insurance program.
Texas Logistics Hub Position: Operating in DFW, Houston, Austin, or across Texas? We understand the risks of Texas's major freight corridors and can customize coverage accordingly.
Text for Quotes: Get a free commercial trucking quote in minutes. Text us your fleet details\u2014we'll provide competitive quotes without the phone tag.
Get Your Commercial Trucking Quote
Protect your fleet with TAP Insurance Texas. Call (800) 666-2254 or text us for a fast quote.
Serving all of Texas and Oklahoma | Mon-Fri 7AM-7PM, Sat 9AM-6PM, Sun by appointment