Trucking Insurance in Texas
Whether it is one truck with your name on the door or a small fleet, the truck only earns when it moves, and the insurance has to keep up: liability, the load, the tractor and trailer, and the filings behind your authority. We are a local, independent agency that works with Texas truckers and speaks the language.
What a trucking program covers
Trucking coverage is a stack, not a single policy. Liability answers for what the truck does to others, and both federal and Texas rules set requirements that depend on what you haul and where you run. Cargo coverage answers for the load. Physical damage answers for the tractor and trailer themselves. And the paperwork, the filings tied to your operating authority, has to match the policy or the authority has a problem.
What your operation needs depends on the operation: intrastate or crossing state lines, what is on the trailer, and who is driving. That is the first conversation, and it is worth having with an agent instead of a call center.
The stack, piece by piece
Auto liability and filings
Liability limits and any required insurance filings depend on what you haul and where you operate. Bring your authority and filing requirements so we can confirm the insurer's role and the steps needed.
Cargo
The load is the customer's trust riding on your trailer. Cargo coverage should match what you actually haul, not a generic guess.
Physical damage
The tractor and trailer themselves: collision, fire, theft, storm. On financed equipment the lender will want to see it.
The rest of the operation
Non-trucking liability addresses personal, non-business use under the policy's terms. It is different from whether a tractor is bobtailing or pulling an empty trailer. Also review trailer interchange and liability for the yard and other business operations. Commercial auto insurance
Trucks are how this county works
Cattle to the sale barn, equipment between leases, hay in the summer, gravel year round: trucks are the working backbone of this part of Texas. Some of that is for-hire trucking with authority and filings, and some is farm and business hauling that lives closer to commercial auto. The label matters less than getting the coverage matched to the actual work, and that is a conversation we have every week.
What to have ready
Bring what you have. We have done this enough to fill the gaps.
- Trucks and trailers: year, make, and how each is used
- What you haul, and whether you cross state lines
- Your authority and filing situation, if you have one
- Drivers, and your current policy if one exists
Fifth generation. Same town since 1920.
4.9 51 reviews as of September 2026 Read our Google reviews
Trucking insurance questions we hear
How much liability coverage does a truck need?
It depends on the operation: what you haul, whether you run intrastate or interstate, and the rules that attach to each. Rather than quote a number that may not be yours, we look at your operation and tell you what applies.
What are filings, and do I need them?
Filings provide evidence of insurance to the state or federal agency responsible for your operating authority. Requirements depend on your operation. Bring your authority details so we can identify the filing and confirm who will submit it and when.
Is my trailer covered under the truck's policy?
Liability generally follows the power unit, but damage to the trailer itself needs physical damage coverage, and pulling someone else's trailer raises trailer interchange questions. Tell us how the trailers actually move.
What is non trucking liability?
Non-trucking liability addresses covered liability during personal, non-business use of the truck. Being off dispatch, bobtailing or deadheading does not by itself establish coverage. Review the lease, actual trip purpose and policy terms alongside the motor carrier's primary liability coverage.
I haul my own cattle and equipment. Is that trucking insurance?
Often it is commercial auto or farm use rather than for-hire trucking, which changes the requirements and the price. This is one of the most common mix-ups we untangle, and the answer depends on facts we can sort out in one call.
Can you handle a small fleet?
Yes. Tell us about the trucks, trailers, drivers, cargo and operating area. We can compare available options and review certificate and filing requirements with the insurer before coverage is arranged.
Keep the truck earning
Tell us about the operation: trucks, loads, and lanes. A licensed agent builds the stack, handles the filings, and services it while you drive.
Stover & Crouch Insurance Madisonville, Texas, since 1920